Equifax

Berkshire_Yorkie

I'll try to keep this as short as possible. 

I recently got declined for a small interest free credit plan that I can easily afford. After some digging I found out that in 2016 someone with my name & date of birth took out a BT phone plan. After making a couple of payments they defaulted on it in 2017, & in 2018 BT sold the debt to Lowell.

Equifax have erroneously linked me to this person's address, which is in Stoke-on-Trent a city I have no links to. I wasn't aware of any of this until a couple of weeks ago. 

BT have been really great (eventually!!). They've dug up the original records which confirm it's nothing to do with me. They're going to buy the debt back from Lowells & have informed Equifax that this is cleared and should never, ever have been linked to me.

Dealing with Equifax on the other hand has been an utter nightmare. All contact is via a useless call centre in Manila that have outright lied to me twice and take forever to do the most mundane of tasks. I'm in email & occasionall phone contact with someone from their complaints team in Ireland but they have repeatedly failed to do what they promise and/or call back when agreed & the only way I get in touch is either via Manila or emails which get ignored. 

I'm now waiting for them to act upon what BT have found & informed them about but I'm going nowhere fast.  After this will be a reckoning as to how & why they made the mistaken linkage they did. I fully expect them to be difficult, incompetent, disingenuous (that's being kind) & obstructive over this. 

Does anyone have any tips for either engaging them far enough the food chain to get some proper attention or other thoughts on effectively getting through to them.

Thanks in advance 

martinbainbridge1975

There is a way to dispute, from memory you raise this by opening a separate support account on equifax and they open a case provide a reference and it goes from there.  If i recall correctly they have 28-30 days to investigate and provide a response