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It is (3) that concerns me most, with (1) & (2) just intermediate steps. Still early days, it remains to be seen what else QF discovers and discloses which may change the initial assessment. In the short term the only new action I’ve taken is to request bans from Equifax, Experian and Illion on the issue of credit reference reports for 21 days from yesterday: thanks to @albatross710 for the reminder and link in post #224 that this can be done for all three by filling in one form.
Agree with all you say. I too have put a ban on credit reference reports via @albatross710 's link (thanks). As I'm not in the market for credit anymore, I should have done that before and it can stay as far as I'm concerned (I'm aware that it needs to be refreshed in 21 days).
you’re not going to get far with this kind of data.
You missed what Telemachus said. Its not this data per se, but this data combined with other data out there to build a larger profile of someone, or a group. The 'this data isn't important or very useful' attitude is looking pretty narrowly at the overall problem.