Old debt reappearing as new debt on my credit file

Nasqueron

shenry25 said:

Sambrown196 said:

Hey,

I’ve had EXACTLY the same thing happen to me this morning. Saw the email from Experian, went on to look and horrified to see a late payment recorded for a defaulted Vodafone account from June 2015! I was 18, the phone software failed after a few months and Apple refused to repair it, Vodafone refused to help so I stopped paying (silly, I’m aware). It defaulted and disappeared off my report around 2022. It has randomly appeared on Experian but nowhere else. Clearscore doesn’t even have it as a closed account anymore and Credit Karma have it as a closed one. My Experian score has dropped from just short of 900 to 440! 

Wonder if it’s a mistake on Vodafone’s part if it’s happened to more than one person, who knows how many? This thread has some great advice that I’ll follow too. 

Clearscore wasn't showing it either, only Experian. I was gutted to see my score drop so much! 
Hopefully you manage to get sorted too.
Must be a serious issue going on with vodafones reporting at the minute 

The score is a gimmick, ignore it, don't pay to manage it either
If something was incorrectly reported, complain

Emmshadowss

This has happened with me too with network three
Saying account from 2016 missed payment in December 2024 
I’ve gone all back through my history and no account there at all I don’t have a three networks anymore and have moved house 5years ago it’s hit my score a lot and I can’t contact three to complain as I don’t have a number with them I’m really angry this is allowed I had Iva in 2017 all debts went there and that was cleared October 2021 so if I did owe money too then would of gone to that Iva 
can they just randomly add missed payments from so long ago?

Nasqueron

Emmshadowss said:

This has happened with me too with network three
Saying account from 2016 missed payment in December 2024 
I’ve gone all back through my history and no account there at all I don’t have a three networks anymore and have moved house 5years ago it’s hit my score a lot and I can’t contact three to complain as I don’t have a number with them I’m really angry this is allowed I had Iva in 2017 all debts went there and that was cleared October 2021 so if I did owe money too then would of gone to that Iva 
can they just randomly add missed payments from so long ago?

You can complain even without a number, use whatever references are on the report

If you defaulted in 2016 then it should be removed and not added back which would be the subject of your complaint or indeed to the ombudsman or ICO