Lloyds Bank PLC

Financial Ombudsman decision DRN0464078 Not upheld

Not upheldoutcome, as published by the Ombudsman

£175redress stated in the decision

—deadline 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, Identity checks and access

In the Ombudsman’s words

Lloyds had incorrectly applied adverse information on Mr C’s credit file about debts which were not owed by him.Credit file reporting

Mr C had been the victim of identity fraud, which Lloyds had known about for some time.Identity checks and access

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0464078.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.