An account opened in my name in October 2018, at an address I’ve never lived at. I’ve constantly been phoning virgin and being passed person to person.... the account is in debt and killing my credit score, anyone I speak too can’t access the account as I don’t have an account password, how do I get this off my credit file?
You'd need to speak to the Credit Amendments Team. Pop them a letter or email with the following information:
Name Account Holders Name Full Address where you had the services A photo or screenshot showing the Virgin error on your credit file Contact details for yourself They will investigate this and come back to you within 28 days.
The contact options are:
By post at: Consumer Underwriting, Virgin Media, Eagle Court 3, Coventry Road, Sheldon, Birmingham, B26 3RZ Or via Email: email@example.com If the default is correct then they won't remove it. Instead it should stop affecting your credit score automatically after 6 years. If it's been over 6 years and it's still affecting you then it would be Experian that you'd need to contact.
As a Very Insightful Person, I'm here to share my knowledge. I don't work for Virgin Media.
Accurate and, where necessary, kept up to date; every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay (‘accuracy’);
Article 16 states:
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.
Article 19 states:
1The controller shall communicate any rectification or erasure of personal data or restriction of processing carried out in accordance with Article 16, Article 17(1) and Article 18 to each recipient to whom the personal data have been disclosed, unless this proves impossible or involves disproportionate effort. 2The controller shall inform the data subject about those recipients if the data subject requests it.