For more than a decade, my partner has been mistaken by credit reference agencies for another person with the same name and the same date of birth.
The other Christopher Smith has lived in numerous places and seems to leave properties without paying his bills – so utility companies and councils chase my partner for this money. The two men have different middle names but this doesn’t appear to make any difference.
As a result of the other Christopher’s debts, my partner has had his credit score lowered, credit refused and had councils, companies and debt agencies claiming he owes them money. He has tried to get to the bottom of the situation many times, and has successfully challenged parts of his credit score. However, he has not been able to eradicate the problem elsewhere in his records.
This morning, a man from Birmingham city council “enforcement” rang to pursue unpaid money, although the man didn’t seem to actually work for the council.
