How can I remove a fraudulent account from my credit report?

Dear James,

I have a default on my account after someone fraudulently got a mobile phone from EE in my name. I have a letter from EE confirming this is fraud and that the default would be removed in 30 days. This was September and it has still not been removed. I cannot seem to contact the EE fraud team – or find their number. How can I apply for this to be removed from my credit report?

Laura, Accrington

Dear Laura,

Sorry to hear you’ve been a victim of fraud, but you’re now aware of it and can sort it out. Since EE have accepted the fraud and written to you to acknowledge this, they should take steps to update all three main credit reference agencies.

Considering the time that has passed, it’s certainly sensible to enlist our help because we can raise a query on your behalf directly with EE. I understand that this has since happened and that, as a result, the default has now been removed.

As you have been a victim of fraud, you might like to weigh up the pros and cons of shoring up your identity by adding security features to your credit report. For example, you can contact Cifas (a fraud prevention service) to register your details with them. You can also ask us to add a statement plus password to your credit report, which lenders should ask for when applications are made in your name. This is certainly sensible if you think further attempted fraud is likely but bear in mind the security features are likely to slow down any genuine applications you make. (January 2018)


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