Equifax deleted my accounts

Clyttle81

I've had a look to see if there was a similar thread, but can't see one, so apologies if I'm duplicating a discussion. Also, sorry for the length. 

I previously entered into a trust deed, which was completed in 2018 and discharged in 2019.Throughout that time I had been working very hard to improve my credit rating. By September 2019, my credit rating had risen to nearly 400 on clearscore -  still not great I know, but steady improvements were being made. In October 2019, Equifax removed the accounts associated with the Trust deed. However, they also deleted all other info relating to me including bank accounts, credit cards, address history..... everything. I now look like I have never existed and my credit score is rock bottom. I have been unable to change this despite all of my active accounts being maintained well. 

I contacted Equifax and have raised a dispute, and have had to send details of each account and have them added. I'm still waiting on this happening as they need to have the accounts accepted by the providers.

In the meantime, my credit score is not changing, I am unable to get any credit and my goal of obtaining a mortgage (one of the main reasons for trying to improve my financial situation) once again seems unobtainable.

My question is, shouldn't equifax be responsible for resolving this issue? Given that they are the ones that incorrectly deleted active accounts in addition to those associated with my trust deed. Is there anything I can do to hasten the process given that their error is having a negative impact on my ability to proceed with plans for my future?
TIA

DCFC79

Do remember your score is only seen by you, lenders will see your history.

Sounds odd to me, why would your accounts be deleted.
Anyway yes Equifax should be the ones to rectify the situation. I believe if they don't rectify it you can contact ico.

Clyttle81

There's literally no history - they have erased everything. It looks as though I have never existed. No accounts, no previous addresses. Nothing. Everything disappeared in October. 

DCFC79

Clyttle81 said:

There's literally no history - they have erased everything. It looks as though I have never existed. No accounts, no previous addresses. Nothing. Everything disappeared in October. 

What do the other 2 credit ref agencies.

PRAISETHESUN

The problem isn't that your score has plummeted (you can safely ignore that number - lenders don't use or care about it) but that your report is seemingly empty of financial information. There's no quick and fast way to get this resolved unfortunately - you need to give Equifax time to get things sorted. They have an obligation to make sure the data they report is correct, so will need to verify it with whoever is supplying them with the information. You may benefit from contacting your bank, CC provider, etc and asking them to pass along info to Equifax as well to try speed things up.

As above - what do your reports for the other two CRAs look like? (Experian and TransUnion)