Response to unauthorised search on credit check?

For your information Palatine are a subsiduary of Intrum Justicia who sell on information from the credit reference agencies to Debt Collectors who are unable for whatever reason to obtain accounts with Experian or Equifax or indeed cant be bothered to. The search undertaken by them was not a credit search but a search of public information. A credit search would reveal black and grey data so please try to use the correct terminology. A search of a credit file can be undertaken by a lender which will show previous lending history etc. This has not been undertaken. If you have nothing to hide whats the problem?

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