Letter To Experian

[iwgunter]

Just putting a letter together to send to Experian to challenge the 6 defaults on my account. How does this sound...

 

Dear Sirs

 

It has come to my attention that the information you hold on record for me is outdated.

 

I gave permission to the companies on my Credit File to pass data to be held and processed by third parties, namely you. This permission, however, ended when my contract with that company ended.

 

I therefore ask you to state under which law, statue or act you are performing the following actions with my data that is not Public Domain.

• Processing of in a manual or automated manner.
  
• Passing of information onto fourth parties in a manual or automated manner.

Yours faithfully

 

 

My Name

Address

[Guest peed orf]

That's nice and simple!

It's the sort of letter I wish to send, but for some reason, it does seem that it has to be done in a more complicated way!

Watching with interest. (busy doing the banks 1st!)

[iwgunter]

I know what you mean, I looked at the templates and to be honest, I didn't understand them, so I thought if I wrote one that I understand the meaning of then the companies will know that I know what I'm wanting and so maybe do what it says.

[Tinkerbelle]

Why are you not writign to the companies that put the defaults there?

 

The CRA won't shift them.

[lookinforinfo]

As the cras have a data controller and process data, they are subject to

the Data Protection Act and are liable in certain cases when processing

data that should not be processed. They do hide behind the company that

posted the information, but they are wrong in saying that they cannot

remove data without the permission of the originator of the data.

Indeed because the cras are the conduit, as it were, for data, they do carry a heavy burden of responsibility to ensure their data is correct. That they

fail in their responsibility at times cannot be in dispute.

 

IWgunter, the letter is fine though it may be an idea to give them the

statutory 21 days to remove the data if they are unable to

supply the correct legislation. You could remind them that while they may be

covered by the Data Protection Act 1998 section13 [3] before your letter,

" In proceedings brought against a person by virtue of this section it is a defence to prove that he had taken such care as in all the circumstances was reasonably required to comply with the requirement concerned."

once they have been informed of the breach, then they cannot use that part

of the Act as a defence.

[iwgunter]

Well, I sent this on the 27th November, before I read you reply, lookinforinfo, so I'll just wait for their reply then maybe ask them to stop processing my information - but would that affect trying to get credit in the future?

[fredofrog]

I have been abroad for the last 5 years, on my return I am being pursued for debts that I had forgotten about most are over 6 years old, do I just ignor them and can I request that the credit agencies remove tham