Incorrect Credit Reference Information - T-Mobile account that does and doesn't exist

Duk

Hi,
I am in need of help with a situation that I just cannot fix and it constantly raises questions when applying for credit.

I apparently have a debt with T-Mobile (Now EE) of over £800. I do not ever recall taking out a mobile or service with T-Mobile but they have been registering defaults since 2012. I have even had other contracts with EE directly since then and they have even said if I owed that much they would have declined a new contract. I have spoken to EE (T-Mobile Branch) and they cannot tell me what device or service I took out. but can confirm that I owe over £800 and I need to pay it back. I have asked for any contracts that I have signed to be sent through but they have said they no longer have these.

So I raised a dispute with the main 3 credit reference agencies. All have got back to me basically saying I have not provided enough evidence that I don't owe the money so they cannot remove anything from my file.

Where do I go from here? It sounds like T-Mobile have just made up an account with no device, number or service attached.

Thanks for any help.

sourcrates

Well the million dollar question is, is it your debt ?
There is no agreement for a service contract, use of the handset or sim, counts as acceptance.
A default added in 2012 would have dropped off your file in 2018, so what`s going on there ?
I would ask them to prove the debt in writing, and if they can`t, escalate to the ombudsman who deals with EE.

Duk

Thanks for the reply. This is exactly where I am at. I do not think it is my debt.

The default was added in 2012 but has been added every month since also. So last default was March 2021 from T-Mobile. I should have paid closer attention to my credit reference but it's a lesson learned.

Thanks for the ombudsman lead, I did not think of that, It may be the next course of action if EE credit department dont sort this out in the next week or so.

sourcrates

Duk said:

The default was added in 2012 but has been added every month since also. So last default was March 2021 from T-Mobile. I should have paid closer attention to my credit reference but it's a lesson learned.

An account only defaults once, what you see on your file is a monthly status update of that default.
It will tell you the date of default on your file, every month for 6 years that status will show, after 6 years it should drop off automatically, paid or not, if its still showing, are you 100% positive this has defaulted, and is not just showing a series of late payments ?.

You need to look into that also.

Duk

thanks sourcrates,
You are correct and its good to know that. I have confirmed that it was actually an error by EE which they have now fixed and equifax have removed from my credit record.