******** Credit Bureau Listing Without Signed Agreement

I recently received a “Notice of Default Listing” from Cartrack, claiming that I owe money for tracking services and that I’ve been listed at the credit bureaus.

I wish to make it clear that I never entered into any contractual agreement directly with Cartrack (Pty) Ltd. When I purchased my vehicle, the dealership informed me that the tracking device was pre-fitted and covered for the first 12 months as part of their package. I was never informed that I would be billed after this period, nor did I sign or authorize any continuation of service.

Despite this, Cartrack has proceeded to blacklist me at the credit bureaus, which is ******** and unjustified under the National Credit Act (NCA) and Consumer Protection Act (CPA), as there is no signed contract or consent authorizing them to do so.

I have formally requested proof of contract and documentation from Cartrack but have not received satisfactory evidence. Until they can provide this, the default listing should be considered invalid and must be removed immediately.

I urge Cartrack to resolve this matter promptly and clear my name from the credit bureaus to avoid further escalation to the National Credit Regulator (NCR), the Credit Ombud, and potential legal action for reputational damage.

Desired outcome:

Immediate removal of the ******** credit bureau listing.

Written confirmation that no further charges or renewals will be app****.

A formal apology and acknowledgment of the error.