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Shibz786
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Credit file amend

Virgin media on the brink of ruining my life.

I Find it bizzare how virgin media have linked me to a address that I dont even reside at nore do i recognise. They said that there is no service or account under that linked address (buffled)  I am the account holder ( [REMOVED]) at the registered account address and yet they still tell me that the information is correct regarding the linked address.

This was said my virgin media ##creditfileamendmantsteam. Via email.

They will not remove it and equifax will not remove it unless virgin tell them to (clearly they should when its clear that no information is linked at that address) 

That linked address has credit accounts on it as stated on my report so any moment that person goes in default or doesnt pay up his credit card I am going to feel the effect severly when I am in the middle of repairing my own credit file.

VIRGIN MEDIA WILL NOT EVEN SAY HOW AND WHY THE LINK WAS CREATED. SURELY THAT MUST BE ILLEGAL.

Ive sent all my proof of ID and proof of address ranging 2+ Years as requested by the fruad department team. Still not getting anywhere.

 [MOD EDIT: Personal and private information has been removed from this post. Please do not post personal or private information in your public posts. Please review the Forum Guidelines]

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Natalie_L
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Re: Credit file amend

Hi Shibz786,

 

Welcome to the Community and thanks for posting. 

 

I am very sorry to hear you have received notification of an account you were unaware of. 

 

From your post, you mentioned the Fraud team have requested further details which would suggest that this has now been passed to them to investigate. 

I am afraid that once an account is passed for investigation, we are unable to update you from customer care. 

 

It is highly likely that the team will or have already requested that your provide any supporting documents to confirm that you were not living at the address during the time of the account. If you have sent this over, the team will investigate this further and update you as soon as possible. 

 

Thank you for your patience whilst our team look in to this. 

 

 

Nat
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Shibz786
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Re: Credit file amend

Hi Nat

Yes i have sent over this many times since 17th April 2020 and nothing has come of it from the fraud team only the credit team seem to reply.

Absolute joke.how can someone who has never had virgin service be linked and virgin insist that information is correct.

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Natalie_L
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Re: Credit file amend

Thank you for your reply. 

 

I am afraid we would be unable to confirm the details of this investigation via a public Forum. 

 

I would be happy to review the account via a private message but I must make you aware that if the investigation currently sits with the Fraud team, I will be unable to access details from the case.

 

Would you like to take this chat to private message?

 

Thank you 

 

Nat
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Sololobo
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Re: Credit file amend

https://ico.org.uk/your-data-matters/credit/

What should I do if my credit file is inaccurate?

If your credit file is inaccurate, you can raise your concerns with the relevant CRA you obtained your file from. However, the problem may lie with the original lender or organisation that supplied the CRA with the information so you will need to contact them instead.

Who is responsible for the information on my credit file?

It is easy to see why people assume the CRAs are responsible for all the information that appears on their credit file. However, in reality, the lenders and telecoms and utility companies who passed the information to the CRA in the first place also have responsibilities for the information that appears on your credit file.

As a general rule, if the entry you are looking at has the name of a company on it, it’s likely to be that company who is responsible for that entry. The CRAs cannot amend this data without the permission of that company.

https://gdpr-info.eu/

https://gdpr-info.eu/art-16-gdpr/

1The data subject shall have the right to obtain from the controller without undue delay the rectification of inaccurate personal data concerning him or her. 2Taking into account the purposes of the processing, the data subject shall have the right to have incomplete personal data completed, including by means of providing a supplementary statement.

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-r...

What is the right to rectification?

Under Article 16 of the GDPR individuals have the right to have inaccurate personal data rectified. An individual may also be able to have incomplete personal data completed – although this will depend on the purposes for the processing. This may involve providing a supplementary statement to the incomplete data.

This right has close links to the accuracy principle of the GDPR (Article 5(1)(d)). However, although you may have already taken steps to ensure that the personal data was accurate when you obtained it, this right imposes a specific obligation to reconsider the accuracy upon request.

What do we need to do?

If you receive a request for rectification you should take reasonable steps to satisfy yourself that the data is accurate and to rectify the data if necessary. You should take into account the arguments and evidence provided by the data subject.

What steps are reasonable will depend, in particular, on the nature of the personal data and what it will be used for. The more important it is that the personal data is accurate, the greater the effort you should put into checking its accuracy and, if necessary, taking steps to rectify it. For example, you should make a greater effort to rectify inaccurate personal data if it is used to make significant decisions that will affect an individual or others, rather than trivial ones.

You may also take into account any steps you have already taken to verify the accuracy of the data prior to the challenge by the data subject.

When is data inaccurate?

The GDPR does not give a definition of the term accuracy. However, the Data Protection Act 2018 (DPA 2018) states that personal data is inaccurate if it is incorrect or misleading as to any matter of fact.

What should we do while we are considering the accuracy?

Under Article 18 an individual has the right to request restriction of the processing of their personal data where they contest its accuracy and you are checking it. As a matter of good practice, you should restrict the processing of the personal data in question whilst you are verifying its accuracy, whether or not the individual has exercised their right to restriction.

How can we recognise a request?

The GDPR does not specify how to make a valid request. Therefore, an individual can make a request for rectification verbally or in writing. It can also be made to any part of your organisation and does not have to be to a specific person or contact point.

A request to rectify personal data does not need to mention the phrase ‘request for rectification’ or Article 16 of the GDPR to be a valid request. As long as the individual has challenged the accuracy of their data and has asked you to correct it, or has asked that you take steps to complete data held about them that is incomplete, this will be a valid request under Article 16.

How long do we have to comply?

You must comply with a request for rectification without undue delay and at the latest within one month of receipt of the request or (if later) within one month of receipt of:

• any information requested to confirm the requester’s identity (see Can we ask an individual for ID?); or

• a fee (only in certain circumstances – see Can we charge a fee?)

You should calculate the time limit from the day you receive the request (whether it is a working day or not) until the corresponding calendar date in the next month.

Do we have to tell other organisations if we rectify personal data?


If you have disclosed the personal data to others, you must contact each recipient and inform them of the rectification or completion of the personal data - unless this proves impossible or involves disproportionate effort. If asked to, you must also inform the individual about these recipients.

The GDPR defines a recipient as a natural or legal person, public authority, agency or other body to which the personal data are disclosed. The definition includes controllers, processors and persons who, under the direct authority of the controller or processor, are authorised to process personal data.

Also see The Data Protection Act 2018http://www.legislation.gov.uk/ukpga/2018/12/contents
Part 3; Section 3; Parts 46, 47 and 48. 
http://www.legislation.gov.uk/ukpga/2018/12/part/3/chapter/3/crossheading/data-subjects-rights-to-re...




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Shibz786
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Re: Credit file amend

Saying to make a case to them yeah. How long did they take to rectify. I literally have no time left for my mortgage to collapse.

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