Page 12 of this document talks about "associations" (http://www.experian.co.uk/downloads/consumer/creditRefAgency...) - credit reference agencies cannot use data about one person at an address to rate a different person at that address, even if they have the same surname, unless there is some financial link.
EDIT: Here's the official guidance from the regulator: (http://www.ico.gov.uk/for_organisations/sector_guides/financ...)
(http://www.ico.gov.uk/for_the_public/topic_specific_guides/c...)
Page 12 of this document talks about "associations" (http://www.experian.co.uk/downloads/consumer/creditRefAgency...) - credit reference agencies cannot use data about one person at an address to rate a different person at that address, even if they have the same surname, unless there is some financial link.