********* Credit Bearau

To: Credit Bureau Compliance / Dispute Resolution Bureau: Experian / TransUnion / XDS / VCCB Date: 25 September 2025 I, Jan Hendrik Steph**** Venter (ID *** 083), domiciled in Pretoria, South Africa, contact ***, hereby lodge a formal dispute and final demand for the immediate removal/correction of all negative entries on my credit profile that relate to prescribed debt and/or incorrect information. Why your data is ******** Prescription (3 years): All listed debts are older than three years with no acknowledgment of liability by me and no legal summons/service on me during that time. Such debts are extinct by prescription in terms of the Prescription Act 68 of 1969, which sets three years for “any other debt” (s 11(d)) and runs from when the debt is due (s 12). NCA prohibits listing/collecting prescribed debt: The National Credit Act 34 of 2005 (NCA) prohibits reporting or collecting prescribed debt. You must maintain accurate records and remove data you cannot prove with credible evidence within the prescribed timeframes (see s 72 and the Regulations). 20 business days to resolve disputes: Credit bureaus must investigate and resolve a consumer dispute within 20 business days, provide a dispute reference, mask the information during investigation, and remove/correct it if there’s no credible evidence from the data furnisher. POPIA – inaccurate personal information: Keeping and publishing inaccurate or outdated personal information violates POPIA s 24. I hereby request correction/deletion of such information. My demands (non-negotiable) Immediately mask the disputed entries pending outcome. Provide me with the dispute reference number today. Within 20 business days, either: Provide credible documentary evidence proving that each listed debt is not prescribed (e.g., date-stamped summons/acknowledgment interrupting prescription), or Delete/correct the entries and confirm in writing, and notify all other bureaus and recipients of the erroneous data as the Regulations require. If you refuse or fail to comply, treat this as a PAJA s 5 request for written reasons for your administrative action within 90 days and expect escalation without further notice. Escalation if you don’t fix this Failing compliance, I will file formal complaints with: National Credit Regulator (NCR) – ***; Tel ***; for NCA contraventions. Credit Ombud (NFOSA) – ***; Tel ***; for unresolved bureau disputes. Information Regulator – *** for POPIA s 24 contraventions. Further, I reserve my right under NCA s 72(1)(d) to seek compensation for the cost of correction and any damages caused by your ******** reporting. Identification & authority Attached: Copy of my RSA ID (front). You are authorised to contact the data furnishers solely for purposes of this dispute. Signed: J.H.S. Venter Pretoria, South Africa Cell: *** Email: ***