I'm so scared of Welsh water, after hours and hours of calls, I think its lot BIGGER than I first thought, in my experience, (13 years account with Welsh water) and I hope it's not a 'systemic issue', but it's all to do with the CREDIT REPORTING PRACTICES, the way water companies are reporting since 2018. Its reporting UK households payments utility history, In my Opinion, this Is outrageous, since many factors are effecting UK, in Wales unemployment at lowest with financially struggling families already in debt, this do not help.. so if the reporting negatively effects the entire UK households Individually and many are already prone to bad credit score. Therefore, it's holding back people like me and hundreds of thousands of people in the UK . Because, Inturn they'll require other methods of credit and the spiral continues. This happened to me personally, as after paying a debt that i didn't know about until ten years later upon checking my consumer reports, I then paid this debt off, they then continued to report missed payments, defaults and more misinformation, meanwhile, the account should of been CLOSED , I still am waiting for their promise to rectify the history of this paid closed account , BUT to this day... there's still some unresolved untrue information effecting my score.. leaving me no choice but to dispute with escalation to the relevant avenues. But bare in mind.. this is obliterated any chance of me obtaining credit , as my credit worthiness is low because of these issues, so for 6+ years I've been held back by the negative entries on my report