Default dates on credit report being changed right before they’re due to drop off?

debtiedowner

I have two accounts that I defaulted on just over 6 years ago. This has now happened with both of them:

Just after the date the default was due to "drop off" of my credit report (6 years), they have updated it to a random date a few years later, meaning it's back on my credit report.

I've raised disputes for both of them with TransUnion and directly but neither have been resolved yet.

The fact it's happened with both of them is making me think this is the norm or some part of the process!

Does anyone know why this might have happened?

sheenas

Should be removed 6 years after satisfied.

debtiedowner

sheenas said:

Should be removed 6 years after satisfied.

They were, then added back on with a random new default date strangely 

sheenas

The credit reference agency’s are totally useless in this situation. Under GDPR you should be able to get incorrect data removed. 

Nasqueron

debtiedowner said:

sheenas said:

Should be removed 6 years after satisfied.

They were, then added back on with a random new default date strangely 

Find out who added them back, sometimes debt collectors do this with a false date. Threaten the CRA with the ICO if they don't remove a 6 year default

sourcrates

Do you have screen shots of the previous entries showing original default dates?

Which company is reporting this to your credit file, as the CRA will not be able to change information given to them, you have to speak to the organ grinder, not the monkey.

Have the debts been recently sold, so a new creditor is now reporting on these?

There is no other reason why the original information should have changed.

debtiedowner

sourcrates said:

Do you have screen shots of the previous entries showing original default dates?

Which company is reporting this to your credit file, as the CRA will not be able to change information given to them, you have to speak to the organ grinder, not the monkey.

Have the debts been recently sold, so a new creditor is now reporting on these?

There is no other reason why the original information should have changed.

Yes and emails and letters with the default dates. I have all the evidence to dispute it just wondering why it’s happened with both just as they’re due to drop off. And whether at some point in the future they can just randomly update it again so it’s back on my report.

I’m not sure, I assume the original creditors as it’s in their names but they’ve both been sold on years ago.

sourcrates

Its anyone's guess why and how actually, this can happen, but it does on occasion.

You need to complain to the company recording the incorrect default dates, as well as each major CRA.

Follow the correct complaints process, then they can`t ignore you, you have the option of escalation to the ICO/FOS if not satisfied with the outcome.