I have a debt logged on my credit file from a water company,
I disputed the debt and refused to pay it because I could prove I didn't owe it they told me I didn't have to pay it but they refused to remove it from my credit file (because I couldn't help them find the person who was responsible for the debt) and it logged a default every month on my credit file.
The debt was from from Oct 2013 - nov 2014 it was logged as a default in nov 2014 and continued to be until now.
I thought it would be removed in November 2020 as it became statute barred then.
However, they company have logged new defaults in November and December and the date of default on the credit file has changed to July 2015.
Are companies allowed to keep putting defaults on your credit file when a debt, according to their dates, is now statute barred, the rest of it was removed so they clearly accepted that was removed but the amount of the debt is still the same and the monthly defaults are continuing to be recorded.
Backstory of the debt in case it's needed,
I lived in a house share from sept 2012 -august 2013
The water bill was put in my name in dec 2012, when I moved out my housemate showed me an email from the water company that stated she had transferred it into her name.
I lived abroad for several years and didn't know anything about the debt until I checked my credit file in 2018.
I contacted the water company and sent the proof I moved out of the house and wasn't even in the country from August 2013, they said the last bill paid was September 2013 but nothing was paid October 2013 - November 2014 (the account was then closed after that date for and the account was then closed)
Since I could prove I didn't live there they agreed it wasn't my debt but said I needed to give them the contact information for the person who lived there when I left, which I didn't have, they basically said they would not remove the defaults until they had someone else to chase for the debt.
So it ended up just being left on there, my thinking was it would just disappear in a couple of years anyway, but apparently not.
Are they allowed to keep putting defaults on my credit file and changing the default date?