Mystery debt from O2 has just killed my credit score on Experian

opaline8347

This is my first post here, because I am mystified by something. A couple of months ago a missed payment for £8 appeared against O2 on my Experian. I thought I knew what it was but didn't do anything about it. Then I checked my statement and a £7 dd was going out to them safely every month, so I rang them last week to say "???". I cancelled the account related to the £7 but they say they do not know what the £8 is about and they have no more accounts in my name and don't think I owe them any money at all.

Today I check Experian and there's a 4th missed payment and my credit score has plummetted as a result, having been close to perfect a few days ago. 

I have raised a query with Experian explaining, but has this happened to anybody else? Is there any magic phrase I need to use with O2 to fix this?

Huge thanks in advance for any advice.  

la531983

Its a good job the three digit score is meaningless, as per numerous threads in this section.

DE_612183

have you checked the agreement number of the credit report?

penners324

Complain to O2 with the agreement number shown on your credit report.

penners324

la531983 said:

Its a good job the three digit score is meaningless, as per numerous threads in this section.

Yes, but this spurious debt has still wrecked their credit history, negatively affecting their chances of future credit

martinbainbridge1975

have your raised a dispute online with the 3 credit reference agencies