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Something to think about.
Questions about section 159 of the Consumer Credit Act Credit Reference Agencies are supposedly to be “impartial”, CRA's always take the word of a data supplier over the word of a data subject. Of course they dispute this fact. It is at this point we have the situation that……. One side……. You /me /anyone ….. States…The information is untrue.The other Side … Bank/ lender/other person ...States it is true.CRA's then go on to say “They cannot remove the information without the consent of the Supplier.”.Here is the ambiguity… section 159 of The Consumer Credit Act states that “A Credit agency can refuse to attach a notice of correction made by a Data subject because it is incorrect ..”If and when they refuse a notice of correction because it is “only allegedly” untrue………… who decides it is untrue?.....The Credit Reference agency.Yet they say they cannot refuse information supplied to them by a data controller.Question I ask is why not ?....if the supplier does not/cannot prove the info is correct to them, they never ask for absolute proof just ask the supplier is this info correct or not.....of course they say yes its correct..... and they accept that They are therefore not impartial they are on the side of the Data supplier / Data Processor /Lender.
The Consumer Credit Act gives them that power.They therefore consider themselvesall powerful.
Just more ramblings of a "senile old git"
Sparkie
Questions about section 159 of the Consumer Credit Act Credit Reference Agencies are supposedly to be “impartial”, CRA's always take the word of a data supplier over the word of a data subject. Of course they dispute this fact. It is at this point we have the situation that……. One side……. You /me /anyone ….. States…The information is untrue.The other Side … Bank/ lender/other person ...States it is true.CRA's then go on to say “They cannot remove the information without the consent of the Supplier.”.Here is the ambiguity… section 159 of The Consumer Credit Act states that “A Credit agency can refuse to attach a notice of correction made by a Data subject because it is incorrect ..”If and when they refuse a notice of correction because it is “only allegedly” untrue………… who decides it is untrue?.....The Credit Reference agency.Yet they say they cannot refuse information supplied to them by a data controller.Question I ask is why not ?....if the supplier does not/cannot prove the info is correct to them, they never ask for absolute proof just ask the supplier is this info correct or not.....of course they say yes its correct..... and they accept that They are therefore not impartial they are on the side of the Data supplier / Data Processor /Lender.
The Consumer Credit Act gives them that power.They therefore consider themselvesall powerful.
Just more ramblings of a "senile old git"
Sparkie
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