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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-3927359 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Credit file reporting, Complaint handling

In the Ombudsman’s words

failed to take account of a payment she made to settle her account and were therefore wrong to report adverse information to the credit reference agenciesCredit file reporting

Creation caused quite a bit of distress and inconvenience here as they failed to credit a payment to Mrs B’s account and when they recognised that error they also failed to amend the adverse reports they were making to the credit reference agenciesComplaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3927359.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.