Correcting a mistake on Experian Report


A

al

To sum up quickly as I don't have much time. I have mistake on my
cedit file. If contacted the finance company several tmes and they
have admitted it's a mistake and promised to fix it. I've contacted
experian and they have also contacted the finance company to query it.
The finance company has just ignored it. I am getting ready to apply
for a loan and have just being tidying up my report to make sure I get
the best score possible. Experian say they can't do anything and the
finance house can't be bothered.

The mistake is that I made all my payments on time and settled an
agreement in August 2004. DD stopped and car went back to finance
company. Then they made two further recordings between August when the
account got settled and December. The first saying that I was 2 months
behind and the last saying I was back upto date.

Surely somebody is responsible for making sure they submit correct data
and fix any problems or are they allowed to submit what they want? I
don't want to end up with a sky high rate on my new loan because of
this black mark! What can I do?
 
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I

Ian Chard

To sum up quickly as I don't have much time. I have mistake on my
cedit file. If contacted the finance company several tmes and they
have admitted it's a mistake and promised to fix it. I've contacted
experian and they have also contacted the finance company to query it.
The finance company has just ignored it. I am getting ready to apply
for a loan and have just being tidying up my report to make sure I get
the best score possible. Experian say they can't do anything and the
finance house can't be bothered.
IANAL but if a finance company reports inaccurate derogatory information
to a credit reference agency, isn't that libel?

- Ian
 
C

Colin Forrester

To sum up quickly as I don't have much time. I have mistake on my
cedit file. If contacted the finance company several tmes and they
have admitted it's a mistake and promised to fix it. I've contacted
experian and they have also contacted the finance company to query it.
The finance company has just ignored it. I am getting ready to apply
for a loan and have just being tidying up my report to make sure I get
the best score possible. Experian say they can't do anything and the
finance house can't be bothered.

The mistake is that I made all my payments on time and settled an
agreement in August 2004. DD stopped and car went back to finance
company. Then they made two further recordings between August when the
account got settled and December. The first saying that I was 2 months
behind and the last saying I was back upto date.

Surely somebody is responsible for making sure they submit correct data
and fix any problems or are they allowed to submit what they want? I
don't want to end up with a sky high rate on my new loan because of
this black mark! What can I do?
You can add your own notes - make sure you name the individuals you have
spoken to about their mistake, let the finance company have a copy of
those notes. They might just wake up.
 
A

al

You can add your own notes - make sure you name the individuals you have
spoken to about their mistake, let the finance company have a copy of
those notes. They might just wake up.
Experian have addad a standard notice of correction saying that I
dispute it and not to pay too much attention to it when making a
decision. I doubt any automatic computer system will read it though.

It really annoys me as this this the only missed payment on my entire
record. I've always been careful to not give them reason to record
negative stuff and they have just done it anyway.

I wonder how many people are being turned down or paying higher
interest rates due to errors in these reports.
 
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A

Allan Gould

To sum up quickly as I don't have much time. I have mistake on my
cedit file. If contacted the finance company several tmes and they
have admitted it's a mistake and promised to fix it. I've contacted
experian and they have also contacted the finance company to query it.
The finance company has just ignored it. I am getting ready to apply
for a loan and have just being tidying up my report to make sure I get
the best score possible. Experian say they can't do anything and the
finance house can't be bothered.
Have you tried ICO (re Data Protection)
http://www.ico.gov.uk/
It seems if the data held about you is incorrect, and the party
concerned won't fix it, ICO might be able to advise?
 

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