Wrong default date Creation Finance & Lowells

Subtrax1

I'm just looking for some advice. I had a debt showing on my credit report with Creation that was sold to Lowells with a default date 19/08/2018 this became statute barred in September this year and has dropped off my credit report. But now its showing back on my credit report back with Creation with a new default date of 2020. I don't recognise or acknowledge this debt with Lowell or Creation.

I sent a prove it letter to Creation and received within a week a letter from Lowells asking me to call them to speak about the debt with Creation. I've not received anything back from Creation with regards to this matter. They received the letter 1 month ago. Any advice what to do next?

fatbelly

If you've kept a copy of the old report with that default date on it, they haven't got a leg to stand on.

Subtrax1

Do know what my next steps should be? Thanks

sourcrates

As fatbelly suggests above, do you have a copy of that report or a screenshot saved?

If not its your word against theirs unfortunately, either way you should send a written complaint obviously.

They can`t just alter default dates willy nilly.

Subtrax1

Yep, I've got a PDF of my credit report from Experian but with the Lowells details and correct default date, not creation's name on the default.

RAS

Are you sure that debt originated from Creation?