Equifax. Grrr.....
I was surprised to be turned down for a credit card a few years ago, and wrote to Equifax to get a copy of my credit record. Turned out they'd listed a full dozen CCJ's on a person I
wasn't even related to on my record. Lived in the same town, same surname. My dad got a copy of his credit record and the same bloke was on that. First either of us knew about it was when I applied for credit.
Eventually got a notice put on there to say that this bloke was nothing to do with me, reapplied for the card ... and got turned down again, because my credit record now showed that I'd been previously been declined a credit card.
More letters and all eventually sorted, although not without much grief (remember, I'd now been turned down twice and they only amended the first refusal). But it makes me mad as hell that such an incompetent bunch of ********ers have such control over your financial affairs.