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The complainant was involved in correspondence with a bank about arrangements for repayment of a debt. The bank reported this debt to a credit reference agency who listed the complainant as a defaulter. The complainant requested that the agency remove all details relating to this matter from their records on the grounds that he had an agreement for repayment of the debt which had been in force when the default had been listed. The agency refused to delete the information about the debt from its records.