Do not accept Absa disclaimers if they are at fault - Credit Bureaus

I have just received a call from AVAF that my account is in "arrears". The opposite is true, it has been paid in advance for as long as I could remember. So much so that AVAF offered me to capitalize the advanced amounts.

I have proof from FNB that the amount for November was deducted and proof on the Absa app that the payment was received.

The call centre agent tried to absolve Absa from making incorrect reports to the credit bureaus. I will do not accept your disclaimer. If Absa does not fix this, and remove the incorrect reports to the credit bureaus, I will report them to the banking ombud.