Hello, I am new to this website and am not even sure i am writing this in the correct place. Over a year ago i did one of those 30 day free trials with the credit reference agencies, i found Arrow Global on my credit file. I had never had any communication with them or knew of their existence until i read my file. There is a debt for 4000 pounds on there and it says it started in 2002. But it also said i was in a debt management programme and had defaulted on a payment in 2012. I looked on the internet about credit files and found template letters, of which i sent to this company, then i got letters every month saying they could not provide the information that i requested. they said i had last paid them in June 2012. This is ridiculous, not only did i not know of their existence but i have never been in a debt programme, i wrote back saying this they said i paid £1.52 in 2012. completely mad as i was out of the country for most of 2012. I have asked them for proof of this alleged debt and the proof of the payment, a year later still nothing provided. I wrote to the FOS early this year before i left the country and they asked Arrow Global to provide the information which they have not. I have written to the FOS again a month ago, on my return but not heard anything since. I also wrote to the ICO but the reply said as i was disputing a debt they could not help. I am bemused. I have asked for information and documentation many times, nothing has been produced. Can these people really fabricate anything and put it on your credit file? How do i prove a debt is not mine? how do i prove i have never paid these people a penny? I joined noddle credit file as it is free but when i disputed it online it just said rejected. I have no idea where to go from here. They said company will not supply any documents, nothing, but they still remain on my credit file. I do not understand how they can say i made a payment when i did not and will not produce any information on this. I just don't get it.