False information supplied to Clearscore/Equifax

[SpecialKS]

I recently applied to Clearscore.com (whose information is based on Equifax reports) and the result has come up with three anomalies, all reported by Virgin Media.

Two relarte to non-payment (June and July 2023) and one to default/repossession. As I pay by direct debit and have checked my bank statements these reports are false and are impugning my integrity. Desp[ite many attempts to contact Virgin Media by online redirection and telephone I am unable to speak with anyone to ascertain why this has happened - I get a "Ooops, Wrong Page" response online. If I cannot even get a response by email what is the point of having fibre broadband from Virgin Media?

[Molly_T]

Hi SpecialKS 👋 welcome back to the community forum! Thanks for posting. 

Sorry to hear about these issues with your credit score. 
In the first instance, we always recommend lodging a dispute directly with your credit lender. (Clearscore / Equifax). 

We can also offer further support in raising a case with our credit file amendments team if needed. To take a closer look at the account, and to help get this raised for you we will send you a PM to confirm a few account details. 
I will do this for you now - you can find the PM in the top right corner of the page in your Inbox. 📩 We can then return to this public thread with another update when possible. Thank you for your patience in the meantime!

Wishing you all the best. 🌞

[japitts · Accepted solution]

You can also email all the details with documentary proof of the alleged inaccuracies, to creditfileamendments@virginmedia.co.uk

They should respond on a 14-21 day basis.

[Matthew_ML]

Thank you for posting this japitts 🙂

[SpecialKS]

Thank you for the prompt reply Molly_T. I have replied to your private email with the appropriate answers.

I have raised my query with both Clearscore and Equifax. Let me make it plain  - Clearscore are nothing but a mere retail-facing for Equifax and refer all queries such as mine direct to their superior and wash their hands of all responsibility.. They are not a credit broker like Equifax, who cannot be bothered with one-off enquiries from the public.

Equifax response? - take it up with the firm which has given you a black mark. Or, as in my case, three black marks. So the buck stops with you, Virgin . . . and I wish you the best when it comes to making the appropriate response.

[SpecialKS]

Hi Japitts. Following on a number of private messages with Molly_T (whom I suspect is an AI responder) I have supplied definitive proof of malfeasance by the Credit File Amendments team.

I am not prepared to wait 21 days for them to rectify their information to Equifax and I have given them seven working days to rectify the situation. I am keen to purchase a new limited-edition motor vehicle which is suitable for my disability needs which is being launched at the end of this month ( a Toyota Yaris GR4 auto ) and their false information has compromised this. I shall be seeking recompense at law if I fail to secure my order due to false information supplied to Equifax by Virgin Media . . . . perhaps if I obtain a legal lien on Necker Island it may focus some attention.

[japitts]

VM don't use AI on this forum, and Molly is one of the forum staff.

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@SpecialKS wrote:

perhaps if I obtain a legal lien on Necker Island it may focus some attention.

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Given that it's Liberty Global who own & run VM, and just have a brand-licencing agreement with the Virgin Group, I doubt this would make the blindest bit of difference.

[carl_pearce]

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@SpecialKS wrote:

Hi Japitts. Following on a number of private messages with Molly_T (whom I suspect is an AI responder) I have supplied definitive proof of malfeasance by the Credit File Amendments team.

I am not prepared to wait 21 days for them to rectify their information to Equifax and I have given them seven working days to rectify the situation. I am keen to purchase a new limited-edition motor vehicle which is suitable for my disability needs which is being launched at the end of this month ( a Toyota Yaris GR4 auto ) and their false information has compromised this. I shall be seeking recompense at law if I fail to secure my order due to false information supplied to Equifax by Virgin Media . . . . perhaps if I obtain a legal lien on Necker Island it may focus some attention.

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So many false comments in one post:

1. All VM users on this forum are real people.
2. A company has 21 days to respond https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/What-do-I-do-if-there-s-incorrect-information...
3. Richard Branson has nothing to do with Virgin Media, other than allowing the brand name.

[SpecialKS]

Thank you Carl. I still have my suspicions - can you catergorically prove differently, or are you a Chatbot as well?

False comments? Which company supplied the false information to Equifax, hmmm?

You may be a "community elder" but it pays to (1) read carefully . . . (2) understand the cause/effect of conflict . . . (3) appreciate humour (or cynicism)

[carl_pearce]

Believe whatever you want, you are wrong.