How to fix incorrect account status on Equifax
Closed an account but it’s still showing as open on your Equifax report? Paid off a default but it’s not marked as satisfied? These status errors mislead lenders about where you stand.
The quickest fix is usually to contact the lender directly — they control the data reported to Equifax.
Key takeaways
- Free to dispute — your legal right under CCA s.159 and UK GDPR.
- Equifax must respond within 28 days.
- Lender has 21 days to respond to Equifax’s enquiry.
- Check your Equifax report free via ClearScore.
How to dispute with Equifax
Use the Online Help portal. Select “Financial Account information” and explain the status error. Upload your evidence.
Equifax contacts the lender, who has 21 days to respond.
Equifax-specific tips
Equifax’s 21-day lender response window makes status corrections slightly faster.
Evidence you’ll need
- You’ll need the account closure confirmation letter, final statement showing zero balance, settlement agreement and proof of payment, or receipt confirming a default has been paid. After settling any debt, always request written confirmation — it’s your key evidence.
- Upload through the Online Help portal at help.equifax.co.uk/EquifaxOnlineHelp, selecting “Financial Account information”. Standard formats (PDF, JPEG, PNG) accepted. For postal submissions to PO Box 10036, Leicester, LE3 4FS, send copies only.
Timeline
Account status corrections on Equifax typically resolve within 2–4 weeks. The lender has 21 days to respond — the shortest window of any CRA, making status corrections slightly faster. Equifax confirms receipt within 24 hours.
After the lender updates the status, allow one reporting cycle (up to 6 weeks) for the change to appear.
If your dispute is rejected
If the lender won’t update the account status, escalate to the Financial Ombudsman Service with your evidence.
Equifax has an alternative dispute form at disputeuk.zendesk.com for re-submissions. Formal complaints go to [email protected] or call 0800 014 2955.
FAQs
Does a satisfied default get removed from Equifax?
No. A satisfied default stays for 6 years from the original default date. “Satisfied” means it’s been paid, which looks better than unsatisfied, but it’s still visible.
Dispute this on another CRA
Other disputes on Equifax
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