Vitality Money Issue AGAIN after 3 months of battle

Experian confirmed that credit reports can only be updated 30 days after transaction occurrence as this needs to allow system refresh to be updated...
This now leaves me in the middle of the problem AGAIN!!!

Effective customer care is looking at direct evidence from clients that explains the problem.
Again that was my fight last time as you simply just leave the customer right in the middle of the problem without going just one mile extra and LOOKING AT SUBSTANTIAL EVIDENCE PROVIDED BY THE CLIENT...

Substantial evidence is accepting a bank statement from clients reflecting the paid up debt. To rely on Experian's outdated system is relying on SUBSTANDARD EVIDENCE.

Then I must say that Experian is not the correct credit provider to use as this gives incorrect reflection of client's actual credit scoring...

Your customer service is actually *********** to say the least!!!!!

I'm not sure what data you are talking about as I don't have an updated experian report as they DONT HAVE CURRENT CREDIT REPORTS THAT REFLECT CORRECT DETAILS.

I don't understand your logic around credit reports.
If i purchase for R100 000 on the 31 of a month and the credit report gets updated on that day, then it reflect a debt of R100' even if you pay it off the next day.
This then reflects on Discovery vitality money as VERY negative and your status gets downgraded to bronze.

Ineffective system to say the least.

Again poor customer service response. You should escalate this to management and make a manual adjustment on my account.
I think you should relook at your processes as this is a real inconvenience for customers as this means
10% LOSS in food discount. (50%-40%)
5% LOSS in fuel spend. (15%-5%)
20% LOSS in exercise points. (60%-40%)

This problem should be escalated to management and it will be great if management can give CONSTRUCTIVE FEEDBACK by phoning me as this error will keep on happening and the customer cannot do anything about it.

Excuse me but you did not even look into my profile to see where the error is... You just keep on giving generic answers.
If you take a moment in looking at the statement that I was sending to your email ***. You would give appropriate answers.
Your data IS INCORRECT as you rely on outdated Experian report that was last updated 31 Dec 21.

Absolutely true.
My balance as at 1 Dec was R 30390.
On the 8th of Dec payment was made of R 25328.10
Balance as at 8th Dec was R 5061.90

If Experian communicated the report like you say on the 15th of Jan then that would have reflected the correct balance of R 5061.90, but experian is not doing timely updates and only reflects payments done on the 29th of Nov..

Discovery is not taking movements during the month into consideration. They say I have unsecured debt, but the balance was already settled 55 days back.

The problem now is that Experian only does the account updates after 3o days whereby I will again by penalized for the month of march.
When you look at transunion reports they only show payments as at May 2021, that is even worse.

You see what the problem is... If one does not get the timing right then one is heavily *****ed...
Last time it took 2 months to be resolved.. And again it will be so for this case to

Problem resolution.
Don't rely on Experian as their data is outdated.
Relook at how you do your scoring..

Do you agree with me where the problem is?
What are you going to do about it?

I understand Girshwin
Thanks for the response
If I can get an updated experian report, then you will be able to help me?