Experian Selling Consumer Information

I challenged information with Experian South Africa. I receive a reference number and i wait 22 days later no reply. I email them to find out what the dispute process is and nothing. Finally after kicking and fighting from my wifes side we learnt the following.

I personally submitted that dispute via Clear Score to Experian. However the reply to my dispute was sent to a company called Cave Base Trade & Invest t/a Credit Clear / Life Power. I did not know who life power was or why my dispute outcome was sent to them. Fortunately enough i have it in writing that Experian themselves said my dispute was sent to a third party. A third party i did not instruct to have access to my information.

Oddly enough Life Power deals with debt negotiations, the irony that the challenge i submitted favoured the client and not me so a third party who deals in debt mediation etc was issued my details is surprising. After further kicking and screaming i was finally issued with the reply from the creditor. Only to discover that the creditor had no basis on their claim their facts were wrong and i was right. I submitted that to the Experian.

It is my assumption that my challenge was purposely sent to life power for the purpose of making money. The information submitted by the credit bureau was never checked or read at all. I learnt today that according to the NCA they are duty bound to investigate my claim all they did was focus on a pay day.

I urge you to be very carefull when submitting your claims to Experian, if you have companies such as life power or any debt related companies calling you thereafter i advise you ask them (which is required by law) where they received your personal information from.

Experian acted in bad faith and also infringed on my right to privacy and the protection of my information by handing over my data to Life Power. They are ignoring us but not for long.