Well there seems to be a basic problem here, if the debt was settled 10 years ago there would be no reason for the financial institution to continue tracking it, if on the other hand it was just written off, then that is. different matter. So the first step would be to establish the facts. If they fixed the issue and are not reporting it again there must be some serious error on their files that needs to be corrected.If an institution incorrectly reports you on the ICB / CCR , they must be in the wrong, especially if the wrongful reporting of you results or impacts your ability to get credit from other institutions. Surely, they must be held accountable for this.
Debt was settled (I have all the paperwork off same) but was being recorded as a write off with outstanding balance-only came to my attention in 2017 when it affected a mortgage application, bank corrected ICB record at this point, 2021 personal loan refused due to information held on the Central Credit register I ran a credit check and saw the same loan was being recorded as a write off again. Lodged another complaint and they corrected my profile again and a €200 goodwill gesture was given fast forward 12 months and it is now appearing again. I am just wondering what’s the best course of action seeing as this the third formal complaint in relation to the same error on a closed loan accountWell there seems to be a basic problem here, if the debt was settled 10 years ago there would be no reason for the financial institution to continue tracking it, if on the other hand it was just written off, then that is. different matter. So the first step would be to establish the facts. If they fixed the issue and are not reporting it again there must be some serious error on their files that needs to be corrected.