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Credit account incorrectly on credit report

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I went to buy a used car from a dealership on Saturday on finance. On Monday I found out my application was rejected. I was very surprised about this as I was under the impression that I had good credit history. I decided to pay for my credit report through Equifax, and was very surprised to see an account with several late payments, showing in red, as 'very poor'. It turns out that this credit account is my mother's, and should never have been in my name. I have contacted the company who the credit was with and they have said that as it is in my name, and there is still outstanding debt, that nothing can be done. My mother has also contacted them to explain the situation. They have told me that until I pay the debt off that it will remain in red on my file, and then it will be settled. The debt is no longer with them but is with EOS. I am unable to pay the debt off as I don't have the money available, and as it isn't mine I shouldn't have to.


I really don't know what to do next. I really need to get this bad credit account removed from my credit history, but I'm obviously in a very difficult situation in that it is my mum who this debt belongs to. I'm 22 and this is going to really affect my life at this stage when I will be wanting to get a car, mortgage etc.


Does anyone have any advice on who I should contact and what I should do?



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Which DCA/creditor is this? Who ever it is is most certainly totally wrong they must investigate properly, place a notice of dispute on CRA file, you will need to check the others as they will have the same data.


Please give me the info address for EOS and I'll draft a letter for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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