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DeleAlabi's avatar
DeleAlabi
Joining in
22 days ago

Urgent Credit File Amendment

Hello Team - Urgent Credit File Amendment 
Account Number [MOD EDIT: Removed]. Area Reference Code 14
I received written confirmation from your company stating that the balance on my account was zero, with no outstanding amount owed. However, my credit report is currently showing payment history issues for August and September 2025, which is unacceptable given that I had no outstanding balance at the time the arrears were recorded.
Please treat this as urgent. I currently have a mortgage on hold due to this issue and I am at risk of losing a significant amount as a result. This situation is particularly concerning, especially since your company has repeatedly confirmed that I had no outstanding balance.
I would appreciate your immediate assistance in resolving this. Thank you.

3 Replies

    • Kath_P's avatar
      Kath_P
      Icon for Forum Team rankForum Team
      21 days ago

      Hi DeleAlabi, 

      Thanks for taking the time to contact us via the Community. It's lovely having you on board with us in the Forums. ⭐

      We're sorry to hear there are payment issues recorded on your credit file. The quickest way to get this looked at is to raise a dispute directly with the credit referencing agency. They will send the information to us and we will take a look at this, correct anything that needs correcting and we then send the updates directly back. 

      If you would prefer to raise this directly with us then in order for us to investigate this and look at things, we would need a bit more information from you. Please send a copy of your credit file to us along with the following information:

      • ➡ Virgin Media account number
      • ➡ Full name
      • ➡ Contact number
      • ➡ Account address
      • ➡ The company that you used to view your credit file
      • ➡ Any specific details related to the credit file enquiry. 

      Once the team have this information, they will investigate and action any amendments within the next 14 days of receiving your email. Please be aware than once any updates are sent to the credit referencing agency, it can take a further 30 - 45 days for the updates to be seen on your report. This will depend on your credit referencing agency update time.

      You can send this to the email address that japitts has posted. 

      Many thanks,