Discovered fraud on credit report, how do I remove?

[confused2014]

I have finally convinced my husband to check his credit report.

 

He always claimed this is a waste of money as he doesn't have too much movement in there anyway.

But part of my campaign of "becoming responsible adults" I have managed to persuade him to have a look yesterday.

 

All good and jolly, only that.

..there was a default note from an online store/catalogue company none of us have ever heard of. Literally, had no idea they existed.

 

The entry is dated early 2012.

 

Apparently the account was opened in 2012 at an address we have relocated from in early 2011.

 

It is for the amount of £150.

 

He has spent today his hour lunch break and more on the phone and online trying to dig out and find out what happened.

 

Apparently someone bought a ring and a golden necklace.

 

this is the email we have put together for the fraud department of this company.

 

"Following my email below (sent to you this afternoon),

please find attached copies of letters from the xxx council confirming registration for the electoral roll (dated January 2012),

confirmation of voter's registration from the same council (dated January 2012),

Assured Short hold Tenancy Agreement (in my wife's name) for the same address,

bank statements from xxx bank (dated February-March 2012 and April-May 2012).

 

Should this evidence not suffice or should you need further info,

please do not hesitate to contact me via email or on xxx number.

 

All these documents prove irrefutably that I was no longer residing at xxx at the time the account was opened.

 

I also want to make it clear that I am not now or ever have been a customer of STORE at any address

and at no time have I given permission to anyone to open such an account in my name.

 

As you can appreciate this default entry made by your company on my credit file has had a very detrimental impact on my credit score

- no wonder I had issues while applying for a new mobile phone contract!

- and I urge you to remove this entry from my credit report as soon as possible.

 

I will also request that you please provide me with a letter to confirm deletion of this entry

and I require a complete investigation into this as a matter of urgency and expect a reply

from you at your earliest convenience.

 

Kind regards,"

 

Is this ok, would you add anything else/do this differently?

 

Would this be enough to have it removed from the credit report?

 

Thank you for any help!

[silverfox1961]

Hi

I think that is fine but I would send it by both email and recorded delivery then they cannot deny receiving it. (email vanishes?)

 

In the meantime, raise this with the Credit Reference Agency as well. they also have a duty to investigate this. You can also place a notice of correction next to the fraudulent default. This can be up tp 200 words.

 

You can also file a fraud case with Action Fraud and get yourself a crime number.

[confused2014]

Silverfox, you are wonderful! Thank you for the suggestions, will do so!

[dx100uk]

I would suggest actionfraud first.

 

get the ball rolling

 

then you'll get a case number to refer to the CRA's

 

dx

[confused2014]

Done & done, thank you very much!

[dx100uk]

keep us informed

 

dx