Paid debt showing as outstanding - how do I get this changed?

AgentM_2

Hello

Hoping someone can offer advice. I had a default with T-Mobile which was satisfied via Lowell. Lowell have updated my credit file to say it's paid, but T-Mobile haven't. I contacted them and they say this hasn't been paid. I asked Lowell to contact them and they said they would, but T-Mobile still haven't actioned anything.

Can anyone offer advice as to how I can make them do this?

THANKS x

ValHaller

The default should only ever be recorded by one of them and the earliest date a default is applied should be the one which sticks

fevlo

Sounds like Lowell have put a new entry on your credit report instead of taking over the T-Mobile one.
Ive got the same issue with DLC at the moment

AgentM_2

ValHaller wrote: »

The default should only ever be recorded by one of them and the earliest date a default is applied should be the one which sticks

Hmmm. It's certainly on there twice with the exact same start date.

I've sent a query to equifax, so i'm hoping they might offer some advice!

AgentM_2

fevlo wrote: »

Sounds like Lowell have put a new entry on your credit report instead of taking over the T-Mobile one.
Ive got the same issue with DLC at the moment

Can you tell me what action your taking to correct it? Thanks

fevlo

AgentM wrote: »

Can you tell me what action your taking to correct it? Thanks

So far ive taken the same action as you and disputed it through the credit referance agency.
Not had a reply yet but they have 28 days and its only been about 12

I shall raise the complaint directly with DLC if the dispute doesnt get resolved via the CRA

Anoneemoose

I think you definitely need to chase it with the DCA. Assuming you did default with TM (and it sounds likely due to a DCA being involved) then they have recorded the entry correctly.

I don't believe the DCA should need to record anything to be honest.