HSBC changing default date on credit file?

zippyfromrainbow

Hi there,

I defaulted my HSBC credit card in 2017 due to significant ill health at the time. It was registered as a default (along with a few other accounts) with a date of 01.03.17. The account was sent to a debt collection company and I'm still making repayments to clear the account. 

Last year as other defaults started to stop off my credit file I disputed this date with Transunion as I believed the default date was closer to the end of 2017 (I have no paperwork for any of the accounts). As HSBC didn't respond the information was suppressed from my credit file. However, last week it reappeared on my file with a different default date of August 2018 which is definitely incorrect. Should I be speaking to HSBC about this or not as I can't see why they would have moved the date back to keep it on my credit file if the original default date was indeed correct as if was March 2018 then it should have dropped from my credit file anyway. I tried disputing this again with Transunion who just say that the dispute was unsuccessful.

Any guidance would be very welcome and thank you in advance. 

Nasqueron

Who put the debt on - debt collectors or HSBC? That is who you complain to about inaccurate date

adamp87

You would probably have 2 defaults listed (only counts as one)

But you'll have the OC - original creditor I imagine HSBC and the Debt Agency.

Presumably the debt agency purchased this debt from HSBC. Are they now both the 2018 date? If 2017 it should have fallen off your file.

Go direct to the company that's incorrect lodge a complaint stating the data is incorrect you need it changing. Going to the credit reference agency just means they'll probably hide it/put a note of correction on, and the bank/debt agency will just re-add it again later.

If in doubt you could always request a SAR from HSBC it's free and you'll get a digital copy of all your data and be able to see letters/default dates