@robotwig I’d ask them for a final response, and then take this to the Financial Ombudsman, and maybe threaten an ICO complaint too. If they push back, I’d suggest including some case numbers of complaints upheld by the ombudsman, like: https://www.financial-ombudsman.org.uk/decision/DRN-6157796.pdf https://www.financial-ombudsman.org.uk/decision/DRN-6108083.pdf Also go here, https://www.financial-ombudsman.org.uk/businesses/resolving-complaint/ombudsman-decisions/search?BusinessName=Equifax&Business=Equifax&IsUpheld%5B1%5D=1, and take a note of similar cases, and the compensation awarded.