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Old 06-10-2008, 03:39 PM
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Default Identity F RA U D and T H E F T

This has been forwarded to me for reference

-----Original Message-----
Subject: e-victims advise id ***** victims to use data protection act



E-Victims.Org issues new advice to ID ***** victims - Use Data Protection Act to clear credit reports
Victims of fraudulent impersonation/identity ***** have two big issues. The first is to absolve them of the liability of any fraudulent debt. The second is to restore their credit rating.
Unfortunately, the traditional advice given to identity ***** victims on how to restore their credit is not effective and it can take literally years for victims to resolve their credit issues.
The E-Victims Organisation (www.e-victims.org) has issued new and different advice. "We still advise victims to contact the three credit agencies to identify inaccurate information and to put in a notice of correction. But then we suggest that victims use the Data Protection Act to get the underlying records changed. Under data protection law consumers can demand to see the details of transactions made in their name, and have the right to correct anything that" explains Jennifer Perry, Managing Director of e-victims.org.
The E-Victims Organisation's expertise is knowing what legislation applies to internet problems. It enables them to provide better advice to victims of e-crime and other online issues.
The traditional approach often fails because the credit report agencies do not own the records they use to generate credit reports. The credit reference agencies are actually collecting and republishing information sent to them by their clients - the lenders.
To repair the data, credit reference agencies must request that the lenders change their opinion about the consumer, and notify this back to the credit reference agency. If the lender doesn't respond, or refuses, then the credit reference agency can't amend a victim's record.
"There isn't a strong incentive for the lenders to investigate and make changes to erroneous data, so what we find is that lenders simply do not bother to correct the records, leaving victims struggling to regain control of their credit history" says Perry.
The impact for victims can be stressful and costly. They are denied credit or forced to take out more expensive credit or mortgages.
The National Consumer Council has been looking at the problems facing identity ***** victims since 2006. Lord Whitty, NCC Chair, said "We were shocked by the low priority companies give to identity ***** victim support, and by the lack of recognition for ***** victims in the UK law".
The factsheet "Clearing up your credit report" provides all the information that identity ***** victims need and can be found at www.e-victims.org.

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