My reply will be lengthy. On the face of it, the facts here seem to be...
An early-termination fee was charged and not paid, and VM's credit process has now kicked in resulting in credit file entries. Sorry to be blunt, but there's nothing surprising about that.
The issues at dispute would appear to be the charge being levied... You say "I was told by customer services that she could file a complaint on my behalf to ask that the termination fees be waivered.... I have heard nothing from virgin since, and had assumed this had been settled" and I fear is your fatal mistake. Unless you had it in writing that these fees were to be waived, then they would seem to be correctly incurred - you may have cause for complaint about the morality of these, but they would have been in your contract at the time and so you were liable for them.
It may interest you to learn that these charges have recently been scrapped for home-move scenarios, but you have referred to a 6month timelag, and you therefore pre-date this by some way.
Realistically, I think your best bet is to treat the charge as the basis for an "I don't think this is fair" complaint and throw yourself at the mercy of VM's goodwill. They won't be under any obligation to remove this, but may do.. you can do this either by waiting for forum staff to respond, or by using the complaints code of practice detailed here ... but until VM do agree to do this, the default is probably valid and therefore needs to be paid if you want it to be marked as "settled" on your file.
The complication is that, as best I can tell, this charge was validly incurred - so unless VM agree that it should have been waived.. then the default is unlikely to be cleared, just merely marked as "settled".
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