Incorrect Default

BBOA

Hi is there anyway to remove an inaccurate default on my credit file?

It’s just appeared from nowhere and apparently it was in 2013

Thanks

[Deleted User]

What makes you think it's inaccurate?

Candyapple

Much more information is needed.

Incorrect how? Is it an account you don't recognise / someone has used your identity to open an account and then didn't pay back the debt?

Is it an account you recognise but you are disputing the data?

Is there a reason you've waited 5 years to do anything about it?

Name of the lender? Amount owed?

BBOA

It’s an account I don’t recognise in a variation of my name at a date I wasn’t resident at my address.
It’s appaeared on credit file as opened closed and defaulted on the 11th June but the account was opened in 2013. The lender is Lowell’s amount 196

[Deleted User]

Contact Lowell to dispute it

But make it clear you are NOT acknowledging the debt

BBOA

Is that the only way?

Is there any format I can follow?

[Deleted User]

You could use the Prove-It letter format and amend as neccessary:

https://www.nationaldebtline.org/EW/sampleletters/Pages/Complaining-to-debt-collection-agencies-that-you-do-not-owe-the-debt-%28sole-name%29.aspx

BBOA

Thanks Garry will do,

BBOA

Hi following on from my prove it letter I am yet to receive any kind of correspondence,
Could anyone advise my next step?

Thank you

[Deleted User]

How did you send it?

PixelPound

You really need to find out what the debt is for and what address it was taken out at. If it was taken out when you weren't at that address, then it could be a debt from a former address and its only appearing now as they've traced you and found you.
As its a variation of your name, if it was taken out at an address you never lived at then looks like they've mistraced and got the wrong BBOA.

Since you have said

Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt.

then you can't complain they haven't responded yet! Maybe they've decided its not you or maybe they are getting evidence of liability before continuing.