ABSA Vehicle Finance reporting me as “late payer” even though debit orders are paid on time

I financed a car through ABSA Vehicle Finance and I am extremely frustrated with how ABSA is reporting my account to TransUnion.

Even though ABSA always gets my instalment on the agreed debit order date, my TransUnion report shows several months as “30/60/120/150+ days late / in arrears.” This is damaging my credit score unfairly.

When I called ABSA, an agent explained that ABSA often tries to debit my account 24–48 hours before the actual agreed debit order date. If funds only reflect on the agreed day (like salary day), that earlier attempt can show as unpaid. ABSA then debits successfully on the agreed date, but the system still flags the month as late when they report to TransUnion. So basically ABSA collects on time but reports me as if I didn’t pay.

I asked ABSA for a letter confirming my payments were on time and a proper transactional statement showing the real debit dates, because the statement they sent me does not have dates — only months. Instead of giving me a confirmation letter, they only offered to resend the same statement without dates, which doesn’t help fix my credit profile.

This is unfair and unacceptable. ABSA needs to: • provide a full dated payment history, • issue a letter confirming on-time payments, and • correct the inaccurate “late payment” bureau records with TransUnion.

Until this is fixed, my credit score is being harmed for something that is not my fault.