As you may have read in my previous post, I am currently fighting to have some incorrect information removed from by CRA file.
I have finally been able to get through to somebody at Diners Club fraud in Australia. As I expected, they did not call me back, I had to call them again.
After explaining my situation to them the lady who has taken my call informed me that whilst it is fraud, there are four different kinds of fraud – and I am in the wrong department. I was ammused when she asked who gave me the number and I just replied with “India”, she was silent for a second – and then just apologised. This at least dealt with a little bit of my frustration, obviously employees of the company are even annoyed by the fact that this has been outsourced in such a manner.
After having to be put on hold several times the lady who took my call had found out that it was actually a card that my father had started an application for several years ago, but had never been issued. She could not explain why the entry would be on my file now, nor why I would even be listed as have been receiving credit on my fathers card. Trying her best to help me she suggested that I call BayCorp. After I explained that BayCorp will make no changes for me, she went on a fact finding mission again.
After some more hold time, I was told that I would have to sign a declaration to Diners Club that I have never applied for a card, and that I did not have a Diners Club card. Trying not to sound just a little ammused that I have to tell Diners that I don’t have a credit card I gave her my fax number here in Japan, and agreed that I would fax it back when I receive it.
All this leaves me just a little bit uncomfortable. If companies like Diners and Baycorp can make mistakes like this, and I only become aware of it because I pay BayCorp money every year to get a copy of my file, how many other errors are there in the database? If this database is going to have such an impact on the lives of people, controlling how much credit (if any) they can get and reporting if they have defaulted on any payments in the last 10 years – surely there should be better oversight on it then a phone number that you can’t call from outside of the country being staffed with people who just flatly refuse to make changes for you anyway beyond offering to sell you your credit file?