RJ
Roseillee J
1 reviews | Active since Mar 2018
09 Aug 2025, 10:00
Disregard for Consumer Rights and the Law
I have been in contact with Experian South Africa since October last year about incorrect and outdated negative listings on my credit profile. Despite months of back-and-forth emails and providing all the necessary proof, these listings remain unchanged.
Experian clearly has no respect for the Consumer Protection Act or the National Credit Act, both of which give consumers the legal right to accurate credit information and require credit bureaus to act within set timeframes. The law is clear — disputes must be investigated and resolved promptly. Yet almost a year later, I am still waiting.
This delay is not just inconvenient — it is ********. It has damaged my financial opportunities, caused unnecessary stress, and shown a complete lack of accountability from an organisation entrusted with sensitive consumer data.
Experian South Africa’s disregard for consumer rights, the law, and basic professionalism is unacceptable. This is a warning to other consumers: be prepared for a long, frustrating process with little regard for your rights or the law.
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Replies (4)RJ
Roseillee J's updateReviewer Update
14 Aug 2025, 09:17While I note that the judgment has now been removed from my profile, my credit score has not improved at all, which is both upsetting and unacceptable given how long this matter has been ongoing — since October last year.
As a consumer, I have the right to accurate and updated credit information under the Consumer Protection Act and National Credit Act. Experian is legally required not only to remove incorrect listings within the set timeframes but also to ensure that such corrections are properly reflected in my credit score.
Removing the judgment without ensuring my score reflects the change is only half the job done. I expect Experian to urgently:
- Investigate why my score remains stagnant after the judgment removal.
- Confirm that no other outdated or incorrect negative listings remain.
- Provide a clear written explanation of what is still affecting my score.
The delays, lack of full resolution, and disregard for legal timeframes show a serious lack of respect for consumer rights. This should have been resolved months ago. Rating remains: ★☆☆☆☆
RJ
Roseillee J's update14 Aug 2025, 09:17
Reviewer Update
While I note that the judgment has now been removed from my profile, my credit score has not improved at all, which is both upsetting and unacceptable given how long this matter has been ongoing — since October last year.
As a consumer, I have the right to accurate and updated credit information under the Consumer Protection Act and National Credit Act. Experian is legally required not only to remove incorrect listings within the set timeframes but also to ensure that such corrections are properly reflected in my credit score.
Removing the judgment without ensuring my score reflects the change is only half the job done. I expect Experian to urgently:
- Investigate why my score remains stagnant after the judgment removal.
- Confirm that no other outdated or incorrect negative listings remain.
- Provide a clear written explanation of what is still affecting my score.
The delays, lack of full resolution, and disregard for legal timeframes show a serious lack of respect for consumer rights. This should have been resolved months ago. Rating remains: ★☆☆☆☆
RJ
Roseillee J's updateReviewer Update
18 Aug 2025, 12:54Since your last response on 14 Aug 2025, where you stated that the judgment is only “masked/hidden” and that the dispute is “still active,” I have received no further feedback or resolution from Experian SA.
This matter has been ongoing since October last year, which is well beyond the 20 business days allowed under the National Credit Act for dispute resolution. Masking or hiding a judgment is not compliance with the law — it must be properly investigated and either removed or confirmed.
The continued silence from Experian shows a lack of accountability and respect for consumer rights. I am once again asking for:
- Clear feedback on why this dispute has dragged on for nearly a year.
- Confirmation of what specific steps are still outstanding.
- An exact timeframe for when this matter will be fully resolved.
As a consumer, I have a legal right to accurate credit information and timely dispute resolution. I expect Experian SA to provide proper feedback without further delay. Rating remains: ★☆☆☆☆
RJ
Roseillee J's update18 Aug 2025, 12:54
Reviewer Update
Since your last response on 14 Aug 2025, where you stated that the judgment is only “masked/hidden” and that the dispute is “still active,” I have received no further feedback or resolution from Experian SA.
This matter has been ongoing since October last year, which is well beyond the 20 business days allowed under the National Credit Act for dispute resolution. Masking or hiding a judgment is not compliance with the law — it must be properly investigated and either removed or confirmed.
The continued silence from Experian shows a lack of accountability and respect for consumer rights. I am once again asking for:
- Clear feedback on why this dispute has dragged on for nearly a year.
- Confirmation of what specific steps are still outstanding.
- An exact timeframe for when this matter will be fully resolved.
As a consumer, I have a legal right to accurate credit information and timely dispute resolution. I expect Experian SA to provide proper feedback without further delay. Rating remains: ★☆☆☆☆
RJ
Roseillee J's updateReviewer Update
24 Aug 2025, 20:34My credit score has still not been updated correctly, even though the accounts in question were paid in October 2024. On top of that, I have submitted disputes regarding the following duplicate accounts, which are all fully paid up:
- ***7 / Debt Recovery ***
- Revolving Credit *** / DMC5
- *** / Woolworths
I uploaded and submitted all the required supporting documents online through my profile, yet these duplicates are still sitting on my record. To make matters worse, my judgment has not been updated with the green blocks since August 2022 — it is now August 2025, three years later. Why should I be forced to run around in circles, chasing Experian for what should be a straightforward legal obligation? This entire process has been dragged out beyond reason. Under the National Credit Act, disputes must be resolved within 20 business days (with a possible 20-day extension if the consumer is properly notified). Experian has failed to comply with these legal timelines and continues to stall by masking judgments instead of removing them. I am demanding:
- Immediate update of my score to reflect all accounts paid up in October 2024.
- Removal of the duplicate accounts listed above.
- Correction of my judgment to reflect the paid-up status with the proper updates.
- Clear feedback on why Experian has failed to act within the legal timeframes for almost a year.
The ongoing delays, lack of communication, and disregard for consumer rights are unacceptable. Experian SA is in clear breach of its duties under the law. If this matter is not resolved immediately, I will be escalating my complaint to the following authorities in South Africa who regulate credit bureaus and financial institutions:
- National Credit Regulator (NCR) – to investigate breach of the National Credit Act.
- Credit Ombud of South Africa – for direct intervention on unresolved disputes.
- National Consumer Commission (NCC) – for violation of the Consumer Protection Act.
- Information Regulator (POPIA) – for failure to ensure my personal data is accurate and up to date.
I will also consider escalating this to the South African Reserve Bank (SARB) to highlight Experian’s failure to comply with industry standards. Rating remains: ★☆☆☆☆
RJ
Roseillee J's update24 Aug 2025, 20:34
Reviewer Update
My credit score has still not been updated correctly, even though the accounts in question were paid in October 2024. On top of that, I have submitted disputes regarding the following duplicate accounts, which are all fully paid up:
- ***7 / Debt Recovery ***
- Revolving Credit *** / DMC5
- *** / Woolworths
I uploaded and submitted all the required supporting documents online through my profile, yet these duplicates are still sitting on my record. To make matters worse, my judgment has not been updated with the green blocks since August 2022 — it is now August 2025, three years later. Why should I be forced to run around in circles, chasing Experian for what should be a straightforward legal obligation? This entire process has been dragged out beyond reason. Under the National Credit Act, disputes must be resolved within 20 business days (with a possible 20-day extension if the consumer is properly notified). Experian has failed to comply with these legal timelines and continues to stall by masking judgments instead of removing them. I am demanding:
- Immediate update of my score to reflect all accounts paid up in October 2024.
- Removal of the duplicate accounts listed above.
- Correction of my judgment to reflect the paid-up status with the proper updates.
- Clear feedback on why Experian has failed to act within the legal timeframes for almost a year.
The ongoing delays, lack of communication, and disregard for consumer rights are unacceptable. Experian SA is in clear breach of its duties under the law. If this matter is not resolved immediately, I will be escalating my complaint to the following authorities in South Africa who regulate credit bureaus and financial institutions:
- National Credit Regulator (NCR) – to investigate breach of the National Credit Act.
- Credit Ombud of South Africa – for direct intervention on unresolved disputes.
- National Consumer Commission (NCC) – for violation of the Consumer Protection Act.
- Information Regulator (POPIA) – for failure to ensure my personal data is accurate and up to date.
I will also consider escalating this to the South African Reserve Bank (SARB) to highlight Experian’s failure to comply with industry standards. Rating remains: ★☆☆☆☆
RJ
Roseillee J's updateReviewer Update
04 Sept 2025, 14:57Despite Experian SA’s promises, my judgment remains masked/hidden and not removed, and my credit score has not changed. This matter has been ongoing since October last year, and I am absolutely exhausted from the constant delays and broken promises.
A masked judgment is not a lawful resolution under the National Credit Act. It must be fully investigated and either removed or confirmed within the legal timeframe of 20 business days (with a possible 20-day extension). Experian has ignored this legal obligation and continues to drag the process out for nearly a year.
I have submitted all documents, followed every step required, and still my judgment is stuck in limbo. My financial profile is being unfairly damaged because Experian refuses to take proper action.
This is not only unacceptable, it is a violation of my rights as a consumer. I will now be escalating this matter to the National Credit Regulator, the Credit Ombud, the National Consumer Commission, and the Information Regulator for investigation.
Consumers deserve accuracy, accountability, and respect. Experian SA has failed on all counts.
Rating remains: ★☆☆☆☆
RJ
Roseillee J's update04 Sept 2025, 14:57
Reviewer Update
Despite Experian SA’s promises, my judgment remains masked/hidden and not removed, and my credit score has not changed. This matter has been ongoing since October last year, and I am absolutely exhausted from the constant delays and broken promises.
A masked judgment is not a lawful resolution under the National Credit Act. It must be fully investigated and either removed or confirmed within the legal timeframe of 20 business days (with a possible 20-day extension). Experian has ignored this legal obligation and continues to drag the process out for nearly a year.
I have submitted all documents, followed every step required, and still my judgment is stuck in limbo. My financial profile is being unfairly damaged because Experian refuses to take proper action.
This is not only unacceptable, it is a violation of my rights as a consumer. I will now be escalating this matter to the National Credit Regulator, the Credit Ombud, the National Consumer Commission, and the Information Regulator for investigation.
Consumers deserve accuracy, accountability, and respect. Experian SA has failed on all counts.
Rating remains: ★☆☆☆☆