Exploiting consumers 5 years later

I had an subscription with Virgin active in 2014/2015. This was canceled and amounts settled. Further evidence that nobody had contacted me since.

5 years later I’m being contacted by legal department for outstanding amounts. Since I’ve changed banks and emails since I have no record on this being paid up.

Who exactly protects the consumer’s credit record from this???????

So I must just pay up or risk my clean credit profile!!!! And I don’t understand how in 5 years this has not been collected considering non of my contact details have changed.