BT has reported a defaulted account to Experian for a closed account over 8 years ago

[ssaad90]

Hi,

I have contacted BT couple of times, spoken to different agents in the debt collection department, to query/dispute 

a 8 year old BT account (for £42) that has been recently reported on my Experian Credit Report but they couldn't find any record of it. 

I have also checked online and my BT account is showing nothing to pay.

Please can someone get in touch with my as it's blocking me for making a Mortgage Application as my credit report has gone down from Excellent to Poor.  

I can send proofs of confirmation emails and screenshots if needs be to resolve this dispute ASAP.

Experian has raised the dispute on my behalf as well - ref no: 517796516

Best Regards,

Sarah

[-Richie-]

Raise a dispute with Equifax and they will contact BT and investigate, see Credit Dispute 

[Russbuss]

Hi Sarah,

I'm having exactly the same issue at the moment.  I'm having trouble with a mortgage because of a £165.00 charge from 2018!  I knew nothing of this until I ran an Experian check.  BT had the wrong postal address for me so I did not receive any correspondence.  Annoying!

Anyway I paid it yesterday and was told it would take 4 weeks before it would be removed.  We don't have 4 weeks and it's looking like we might lose the house.

I have just sent a direct message to BT via twitter and they have responded straight away and I currently have someone checking this for me so I would suggest doing the same.

Good luck

[ssaad90]

Thank you for your message. 

I will message them on Twitter as well.

My issue is that I have no way to make payment as well the account is showing all up-to-date. 

No one is able to track it on BT and Experian side. 

Good luck to you too. 

[ssaad90]

Equifax has no record of it and it's not even showing on my Equifax Credit Report, so they can't raise any dispute.

I have contacted Experian to raise a dispute with BT to investigate but they are still waiting to hear and I am blocked here to make Mortage application.

[ssaad90]

Just had a chat conversation with BT and they have confirmed that they have no record of it - is it possible to speed up the notification to Experian, I am advised to check after 10 days?

[Russbuss]

I have had to create an account on Equifax and log a dispute request. They have acknowledged this and raised a case and told me 21 days before it comes off. Not ideal but slightly better than a month....