Mutual Incorrectly Reporting To CRA

[minmac]

My partner has a loan with mutual that he has paid on time every single month. Mutual has reported to the CRA that payments received on time every month.

 

As the balance was down to him owing £250 in October he decided to get it paid off by Christmas so in October he paid £180 (leaving a balance of £70 to be paid this month).

 

He had an email from Equifax last week stating derogatory info had been placed on his credit file.

It was from Mutual - they have reported him as a (1) , we contacted his agent who said their system is up to date so its correct.

Contacted Head Office who refused to discuss it and said he had to contact the local Mutual branch, contacted the branch who have said their system is up to date and they dont know how it was reported as that and they cant change it.

 

The issue here is my partner got the mutual loan, a contract phone and a credit card last year to build up a credit (as he had never had anything his score was really bad and he wants to get a mortgage next year). So his credit file was completely clean and the ''score'' was 850 ... this one mark has put him into the poor category with a ''score'' of 650.

 

What can he do to get this rectified? Mutual Agent, Head Office and Local Branch all say they cant change it

[minmac]

He has just sent off an email to Experian explaining the situation. Hopefully they will change it???