MONZO BANK LIMITED
Financial Ombudsman decision DRN-6031420 Upheld
Upheldoutcome, as published by the Ombudsman
£75redress stated in the decision
Thu Jan 15deadline 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
Credit file reporting, Data and privacy
In the Ombudsman’s words
Monzo told Mr A that it had closed his account. Mr A became aware that in doing so, Monzo had reported information to CIFAS – a fraud prevention agency.Credit file reporting
Monzo responded to this in August 2025 – outside of the relevant timescales for it to do so.Data and privacy
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6031420.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.