Tweet
A DCA has registered a default on my credit file for a Barclay Card debt. However there are some major issues with their entry and I'd like to know where further to escalate this.
They have registered a default on my credit file AFTER Barclaycard already have a year ago, this displays as 2 defaults on all 3 credit reference agencies.
They have a made up start date of 01/01/2000 when I was 13. With this, they have added made up payment information from this date, nothing adverse but I was 13, how can they make up this payment information?
Adverse payment history doesn't match the adverse payment history on Barclaycards entry, missed payments and up to date entries on different months, it looks like a totally different account.
Default date of Barclaycard 29/06/2012
Default date of PCO Sarl 27/07/2012
What should I do about this? I've raised a dispute with the 3 credit reference agencies and called the DCA (I'm in an IVA so they're not allowed to request payment from me). The DCA say the default is valid and fobbed me off.
They have registered a default on my credit file AFTER Barclaycard already have a year ago, this displays as 2 defaults on all 3 credit reference agencies.
They have a made up start date of 01/01/2000 when I was 13. With this, they have added made up payment information from this date, nothing adverse but I was 13, how can they make up this payment information?
Adverse payment history doesn't match the adverse payment history on Barclaycards entry, missed payments and up to date entries on different months, it looks like a totally different account.
Default date of Barclaycard 29/06/2012
Default date of PCO Sarl 27/07/2012
What should I do about this? I've raised a dispute with the 3 credit reference agencies and called the DCA (I'm in an IVA so they're not allowed to request payment from me). The DCA say the default is valid and fobbed me off.
Comment