Question to the HM Treasury:

To ask the Chancellor of the Exchequer, what steps she is taking to ensure that creditors and debt collection agencies respond to customer enquiries and amend credit files in a timely manner.

Under data protection laws, the information on a person’s credit file must accurately reflect their credit history. If an individual believes that an organisation, such as a creditor or a debt collection agency, has not corrected inaccurate information reported to credit reference agencies, they can submit a complaint to the Information Commissioner’s Office (ICO). The ICO is responsible for upholding information rights and enforcing data protection legislation. If the ICO finds that the organisation has indeed failed to make the necessary corrections, it may take enforcement action.