My Dad has been sent my loan history via Experian

[orfoster]

Good evening everyone,

Just had a catch up with my Dad who I haven't seen for two years. Which was nice....

Towards the end of the evening, he pulls an e-mail out of his pocket from a loan broker, he says that he's been declined a loan because of me. I looked at him a bit puzzled. On the e-mail shows a number of pay day loans I had in 2012 in my name which he obtained from Experian!!! I was so embarrassed.

Surely its a DPA breach if a) he's been linked to me and b) he's been provided with my loan history too!!

So I've logged into Experian, there is no record of any search on my credit file in March or April this year at all....so how did that happen?

He's not linked to me at all on there. Although his first name is the same as my middle name and part of my last name is his surname.

Does anyone have any views on this?

[leclerc]

Re: My Dad has been sent my loan history via Experian

It's a DPA breach 100% if he has obtained that information from Experian. If you can ask him, then ask him for a copy of that information and the date that they sent it to him.

[orfoster]

Re: My Dad has been sent my loan history via Experian

Have just spoken to him. The info we have is from his loan broker that he obtained from Experian.

[leclerc]

Re: My Dad has been sent my loan history via Experian

you need the printout that was sent to him and then query it with Experian, ie loan broker's name, date of search, father's name and the information that was given and question why it was given...

[teaboy2]

Re: My Dad has been sent my loan history via Experian

Sounds like the loan broker, may have mistakenly processed the wrong details (Clue is in you both having same surname and your middle name being same as your dads first name) resulting in him/her getting your credit file instead of your dads. I doubt its a deliberate DPA breach to be honest. Though it clearly needs investigating to prevent it happening again.