• Welcome to the LegalBeagles Consumer and Legal Forum. If this is your first visit to LegalBeagles and you need assistance then you can ask a question here;
    Create a Thread
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Dispute with Equifax for readding old information on payday loans, previously removed

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Dispute with Equifax for readding old information on payday loans, previously removed

    Hi all, I am after some advice:

    I have a dispute with Equifax for displaying information which has previously been removed from my credit file.

    There are three payday loan company's Wonga, Sunny and Lending Stream, all of which no longer exist. There was a forth, Swift Sterling, but this data has miraculously disappeared.

    In 2018 I had raised a complaint against all three companies for irresponsible lending. Lending Stream and Sunny were through the Financial Ombudsman, but due to Wonga going into Administration, the administrators dealt with my complaint. All three were upheld and I was reimbursed some money with the data being removed from my credit file.

    Sometime in July, Equifax stated that these companies have been in touch with Equifax to have these accounts reloaded on my file, I find this hard to believe due to these companies no longer exist. i stated this to various advisors over numerous phone calls, to be informed on several occasions that these companies have requested the information to be re-added to my file. I supplied evidence that these companies no longer exist to then informed that the data was only temporarily removed whilst I was disputing the accounts. They did not seem to grasp that they had been informed to remove the data previously, that they were wrong

    I am banging my head up a brick wall with this company as now they are waiting for these companies to respond to my disputes. This has caused damage to my credit file and other companies are starting to notice. I have seen a credit card reduce my limit from 1200 to 600. Also, I was half way through taking out finance on a car, Initially I was offered 0% interest which then went to 15.1% (30%APR) due to the information on my credit file.

    How do I get this information removed?
    Can I claim compensation for the damage caused?

    There are approximately 29 loans displaying across the three companies with others which have been added and quickly removed, I believe due to the passage of time.

    Equifax advisors are blatantly lying when saying that these companies all got InTouch on the same day to add this information and they dont seem to grasp that these companies no longer exist. I have opened disputes through their online portals to have them closed without resolution. I phone back to be informed that complaint is now closed with no explanation.

    I tried to give Equifax a way out by stating I thought there had been a computer error, but they would not accept that, informing me the data is correct.

    I have now emailed them a full official complaint, including the final outcome of my complaints where my complains were upheld, even providing them with reference numbers where these companies had been InTouch with their company to remove the data, However, this could take upto 8 weeks for a response, is there anything else I can do?


    I would be grateful of ay assistance you maybe able to offer.


    Kind Regards


    Stevieb
    Last edited by Scrumpy11; 23rd July 2020, 05:26:AM.
    Tags: None

  • #2
    How old are the loans ?? ... i was victim of fraud contacted the debt collector. Then i did prove the debt letters when they could not prove the debt was mine i demanded they remove them which they did.
    i now have a good credit rating it took ages to do . But got there in the end if they can prove they are your im not sure... they don't seem to ever have the correct paperwork which is helpful. Try this perhaps ????

    Comment


    • #3
      Originally posted by Apollo14LMP View Post
      How old are the loans ?? ... i was victim of fraud contacted the debt collector. Then i did prove the debt letters when they could not prove the debt was mine i demanded they remove them which they did.
      i now have a good credit rating it took ages to do . But got there in the end if they can prove they are your im not sure... they don't seem to ever have the correct paperwork which is helpful. Try this perhaps ????
      Wonga: The Administrators requested the data to be removed in January but were informed by Equifax that there are delays. A month or two maybe, not eight months. Also, Equifax are stating the data is correct and they need to speak to Wonga. Last loan from them was 2018.

      Sunny - Sonny have stated the data has resurfaced as Equifax have changed the account title from 'Elevate' to '-Elevate'. Equifax state data is correct that they need to speak to Sunny. Last loan from them was 2018. Sunny requested that the data be removed in 2018, this has never happened.

      I have the same problems with Lending Stream and Swift Sterling.

      I have demanded that they remove the data, Equifax states that it need conformation from the respected companies. My evidence does not matter.

      Im just not sure what I can do. Can I hold Equifax liable for this and if so what can I hold them liable for? what regulations have they breached?

      Comment

      View our Terms and Conditions

      LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

      If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


      If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

      Announcement

      Collapse
      2 of 2 < >

      Credit Reference Agencies

      Check your credit score with Experian, updated every 30 days each time you log in.




      #Advertisement
      See more
      See less

      Court Claim ?

      Guides and Letters
      Loading...



      Search and Compare fixed fee legal services and find a solicitor near you.

      Find a Law Firm


      Working...
      X