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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-5207084 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Apr 24deadline to accept (not the decision date)
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
In the Ombudsman’s words
I understand Mr W is concerned about his credit file, but he’s also confirmed that he hasn’t made the payments due under the agreement. Creation is obligated to report any information to credit reference agencies accurately so as long as it’s done that, it hasn’t acted incorrectly.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5207084.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.