Default place on my credit file definitely not mine help!

[Deleted User]

So some background lived in a house from 2009 to July 2011. Over a year later I received a letter in October from a dca called Moorcroft stating I owed £250 to a company called 24studio taken out at mt old address and I told them it wasn't my debt and duly sent over the evidence my ta for my previous address where the debt taken out and the ta for where I moved to I then received a letter confirming they received the proof then a letter a couple months later stating the account had been closed and passed back to the client. I was nieve in thinking this had meant the account was sorted but nope some years later 2014 I attempted to apply for a loan and was called back and was told I didn't get accepted because of a default I had obtained my credit file prior to applying and all was fine no defaults. Then I looked after asking what has caused the default and she said a mail order company. Checked my file and in it states surpressed information mail order company and it was 24studio. So I then contacted them and callcredit sending them both the proof that I wasnt at the address when the account was opened. That was a month ago now and ive received no reply from either other than a confirmation they've received the email. What I would like to know is can I report the.company to the fca for not having removed the account in the first instance? What will happen?

Tixy

You need to dispute the debt with studio24. I think from your post you originally only disputed it with moorcroft, who just said they had passed it back to studio.

Was your letter a month ago to studio? not moorcroft? If it has been a month and they have not replied then I would write to them again headed up as a formal complaint disputing the debt is anything to do with you and asking them to provide proof of the debt or remove the entry from your credit file.

Marktheshark

You might want to place them on legal notice that they are responsible for any loss they have caused you by trashing your credit file.

[Deleted User]

Thanks Yeah I wrote a letter directly to studio giving them all the evidence too over a month aago but shouldn't this have been passed to studio when I sent it to moorcroft?