You are ruining my credit profile.
Dear experian, im trying so hard to keep my credit profule clean however, you are continuously adding debt that prescribed 10 years ago to my profile. Please can this stop. It's ruining my chances of getting credit. I honestly dont know what else to do to make this stop. And you take ages to respond to disputes. Please this is impacting my mental health at this point.
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Replies (1)'s updateReviewer Update
30 Oct 2025, 02:02Hi,
I provided a payment date on the app, but I still received a response stating that my dispute is invalid because the date I provided is prior to the date the account was opened according to Maravedi.
To clarify, the date I provided reflects a payment made to the original credit provider in 2007. Maravedi is clearly a debt collector that purchased the account, and I have never made any payment to them.
This account is inaccurately listed on my credit report and is negatively affecting my livelihood. I am requesting that it be removed immediately.
If Experian cannot resolve this, please advise the appropriate authority to escalate this matter to, as I may need to pursue legal action to protect my rights.
Kind regards,
I provided a payment date on the app, but I still received a response stating that my dispute is invalid because the date I provided is prior to the date the account was opened according to Maravedi.
To clarify, the date I provided reflects a payment made to the original credit provider in 2007. Maravedi is clearly a debt collector that purchased the account, and I have never made any payment to them.
This account is inaccurately listed on my credit report and is negatively affecting my livelihood. I am requesting that it be removed immediately.
If Experian cannot resolve this, please advise the appropriate authority to escalate this matter to, as I may need to pursue legal action to protect my rights.
Kind regards,
's update30 Oct 2025, 02:02
Reviewer Update
Hi,
I provided a payment date on the app, but I still received a response stating that my dispute is invalid because the date I provided is prior to the date the account was opened according to Maravedi.
To clarify, the date I provided reflects a payment made to the original credit provider in 2007. Maravedi is clearly a debt collector that purchased the account, and I have never made any payment to them.
This account is inaccurately listed on my credit report and is negatively affecting my livelihood. I am requesting that it be removed immediately.
If Experian cannot resolve this, please advise the appropriate authority to escalate this matter to, as I may need to pursue legal action to protect my rights.
Kind regards,
I provided a payment date on the app, but I still received a response stating that my dispute is invalid because the date I provided is prior to the date the account was opened according to Maravedi.
To clarify, the date I provided reflects a payment made to the original credit provider in 2007. Maravedi is clearly a debt collector that purchased the account, and I have never made any payment to them.
This account is inaccurately listed on my credit report and is negatively affecting my livelihood. I am requesting that it be removed immediately.
If Experian cannot resolve this, please advise the appropriate authority to escalate this matter to, as I may need to pursue legal action to protect my rights.
Kind regards,