I am writing to formally complain about the rejection of my recent application for a mobile contract with iD Mobile. I was informed that my application was declined based on the results of a credit check. However, upon reviewing my credit score and credit report from the relevant Credit Reference Agencies (CRAs), I found no adverse information that would justify the refusal of my application.
Given this discrepancy, I am requesting a full and detailed explanation of the reasons behind your decision to reject my application. As per the General Data Protection Regulation (GDPR) and the Data Protection Act 2018, I am entitled to understand how my data was used in this decision-making process and what specific factors contributed to the rejection.
My specific requests are as follows:
- Detailed Reasoning: A comprehensive breakdown of the exact reasons why my application was denied. I would like to know the specific criteria used and how my credit information did not meet your required standards.
- Credit Reference Data: Information on which Credit Reference Agency was used to conduct the credit check and the specific data points from my credit file that were considered problematic by your assessment.
- Internal Decision-Making Process: Details about the internal scoring or decision-making process iD Mobile employs when reviewing applications, particularly regarding how credit information is weighted and assessed.
- Opportunity to Challenge or Rectify Information: Instructions on how I may challenge this decision or rectify any alleged issues that have led to this outcome, including whether an appeal process is available.
As this decision impacts my ability to obtain services from iD Mobile, it is crucial that I receive a transparent response to ensure that all my data has been used fairly and correctly. I expect a detailed response within 30 days of receiving this letter, in compliance with the regulatory requirements governing data access and decision transparency.
Should I not receive a satisfactory response, I will consider escalating this matter to the Financial Ombudsman Service or relevant regulatory authorities.
Thank you for your prompt attention to this matter. I look forward to receiving your comprehensive explanation.
Yours sincerely,
Michael Folan
