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MMF registered a default almost 6 years late


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So I got notified a few months back that MMF have bought over my CFO debt from 2011 when CFO went into administration. Out of the goodness of their hearts they told me they had taken off all of the fees and interest CFO had added and I now owed only the original balance. That of course didn't take into account the redress that was taken off of the CFO loan or the amount I'd paid towards the debt which when added up would have cleared it all had CFO not added on the stupid amount of fees. Anyway I haven't responded at all to MMF despite weekly emails. CFO had issued a default notice in January this year however they never did register a default with the credit reference agencies. Yesterday I discovered that MMF have themselves recently registered a default with a date of January 2017! That's almost 6 years after I had defaulted on the loan. Now I know they can't do this and its against the ICO guidance so I've written to MMF to complain and asking them to remove the default as if going by the 3 months of arrears it would be beyond 6 years or change the date to the 6 months arrears at which point it's due to drop off in a month or two. Reading up on them I don't expect to get anywhere with my complaint. This has obviously grossly extended the life of the default to their advantage and has trashed my credit file which I've spent 6 years clearing up just when I was looking to apply for a mortgage in a few months time. Once MMF come back and if they refuse my request is it the FOS I contact next or the ICO?

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