Mistaken identity has ruined my credit report for a 3rd time !!!

[silverfox1961]

HI

I see a problem here. As these accounts have nothing whatsoever to do with you, the companies will be unable to supply any data requested in a SAR as if they did, they would be in serious breach of the Data Protection Act. A SAR to all the credit reference agencies will reveal what data they have.

 

At the very least, I would be writing a notice of correction against each of the false entries. Once a dispute is raised with the CRA's then they should contact each of the creditors to get a formal response. Unfortunately, these companies tend not to check properly and just state that the data is correct and the CRA's just leave the data visible.

 

My preferred option is to send a Letter Before Action to each creditor and demand they remove the data forthwith and if they fail to do so, take them to court. This form of action can only be used if you intend to follow through, not as a threat. If you are not prepared to follow through, don't threaten.

 

With the CCJ, I would be requesting that company to agree a set aside so that it can be removed from your credit file.

[silverfox1961]

I am wondering that if you request a SAR and they sent you all the data from the other person, they woudl be in breach of the Data Protection Act and could be in serious trouble and thsi may work o your advantage?

 

This had been discussed on page one of this thread.

If the creditors did release the information, yes, they would be in breach of the DPA however, as Bankfodder pointed out, if they refused, that is good for the OP as it would help prove he wasn't the right person being chased.