I incurred Defaults on a couple of accounts with the same lender back in 2006 (due to P45 situation...). Reduced payments have been made on each of them ever since.

However on the Equifax entries, the Payment History stops in Aug 2006 when the Defaults were issued (so no "AP" symbols for each month since when they have received a payment) !!

The Status is shown as Default - if you look carefully there are actually two balances shown - the balance at time of default and the current balance (several '000s of pounds less).

If someone places a search on the file as a result of an application, it might seem that not only has the account been in default for three years, but also that it has not been serviced in any way since.

Surely this is not right ??! The report has the ability to show reduced payments - how can I oblige the lender to correct the report to reflect reality.