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Candid Collections & Experian

from Michael (mleo@blueyonder.co.uk)
My Experian credit reference file printout this month shows a strange linked address entry created by Candid Collections, from my present address to my present address? The date of the linked address data is April 2001, but in previous Experian reports that I get every month this entry has not appeared before?

I discussed this with Experian, who were very helpful.

They advised me that Candid Collections must have issued a credit search against me in the last month, but with a search date of April 2001. (This would be an unauthorised illegal credit search because we have not applied for credit from Candid Collections) This illegal credit search automatically created a linked address record because it was so old, but the address data had not been completed correctly to match our previous address history so the linked address record data was corrupted.

Then Candid Collections must have immediately deleted the footprint of their illegal credit search. Experian said that this was really shocking, but some companies evidently do this type of thing.... (And Experian have never experienced this before I bet).

This deletion of the illegal credit search would have normally deleted the associated linked address record as well, but because the linked address record data was corrupted, the deletion failed. Maybe Experian would have deleted it when the database was cleaned up at a later date.

Experian advised that the linked address record was in fact a sort of "sideways footprint" of the illegal credit search by Candid Collections. Experian offered to delete it for me, but I asked them not to since I wanted to complain to the Information Commissioner in an Assessment Request that an illegal credit searches had been performed by Candid Collections.

I personally think that the illegal credit search has been performed by some enterprising private detective type, or for a private detective type, by someone at Candid Collections. If the Information Commissioner is able to connect this illegal credit check with my mortgage provider that I am currently in a major legal dispute with, then I shall certainly bring these activities to the attention of the High Court Master.

So, if anybody sees an unexplained, out of date, invalid, linked address entry on their credit reference file....now you know what it is.

Happy New Year to everybody.

regards, MLJ

(posted 7757 days ago)

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