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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-4313904 Partly 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, Service failure

In the Ombudsman’s words

Creation may have reported adverse information to Mr J’s credit file in relation to this issue.Credit file reporting

I don’t think Creation have been able to adequately explain what is still owed and what has been paid on the account so that Mr J can understand the situation.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4313904.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.