Credit report - Incorrect Default applied - URGENT PLEASE HELP

[CGSS]

Dear Virgin Media Customer Service,

I am writing to bring to your attention an urgent issue I have recently discovered on my credit report. This has caused my mortgage application to be declined!

Upon reviewing my credit report, I noticed that a default credit mark has been placed by Virgin Media against MY account in July 2020, I closed the account and moved from the property in Feb 2020.  To make matters worse you have also sold the £68 debt to JC International acquisitions?! 

To my knowledge, there are no outstanding issues, unpaid bills, or disputes that would warrant such a negative impact on my credit history. To this day I have not had any contact from either of Virgin or JCIA causing me this issue on my credit report!

I have also emailed yourselves to request that you investigate this matter urgently and provide me with a detailed explanation of the circumstances leading to the adverse credit marking. Additionally, I would appreciate it if you could take the necessary steps to rectify this situation and have the adverse credit mark removed from my credit report immediately and provide me with written confirmation this has been done to provide to my lender.

Please understand that the negative impact on my credit history is having very serious consequences. I would appreciate your prompt attention to this matter we your email response confirms 21 days to respond and I do not have 21 days as need to complete our mortgage application or will be homeless!

Email Ref below: An update from Virgin Media (KMM107128155V90100L0KM)

[Arissa_H]

Hi CGSS 👋🏼. 

Thank you for posting, welcoming you onto the community forum 😊. 

Sorry to see you ae having issues with your credit report and JC International acquisition ☹.

I will have to look into this for you by looking at your account. 

So I can further investigate 🧐 this matter, I will have to private message you.

Please watch out for the envelope ✉.

[CGSS]

Is anyone actually looking at these forums and moderating! I have messaged yourselves also but I’m now in radio silence mode which just isn’t good enough 😡. Please help… time is of the essence here …

[newapollo]

Hi CGSS 

Unfortunately the forums aren't an instant messaging system.  The forum team do work shifts, the same as the 'phone staff, some of tjhem also work on the social media platforms too.  Ari will get back to you when they are next online.