EXPERIAN CREDIT BUREAU BREAKING THE LAW

EXPERIAN BREAKING THE LAW

Experian South Africa but Experian South African is openly contravening laws in South Africa which prejudices probably hundreds of thousands, if not millions of people. I have reported the issue to them on multiple occasions, so they are well aware of it, and they do not respond.

1. They do not engage with anyone unless they can ****** more personal information from the individual for their database. This is ******* and contravenes our POPI ACT (protection of personal information) and possibly other laws.

2. They publish adverse listings on people's credit profiles well beyond the legally prescribed timeframe. This is a contravention of the CPA (Consumer Protection Act). Once again, they are fully aware of it, yet they continue the practise whereby they knowingly and deliberately prejudice individuals and force them to engage in a process of ******ion of their personal information in order to request that an ******* and/or incorrect listing be removed. A dispute and authentication process can be followed for legitimate content, but the onus is not on the public to ensure that Experian does not break the law. They need to rectify these contraventions themselves, immediately. They need to have a system in place that when a listing reaches the legally prescribed expiration date, that the listing is automatically removed. Furthermore, if a creditor wants to list an expired debt, Experian should not entertain it at all.

3. The nature of their system enables them, whether deliberate or not, to list false or expired info on credit profiles, thereby damaging the individual, and ****** the individual’s personal information from them to have it removed. This practise is deliberately designed to populate Experian’s database through forceful ******ion of personal information. It's despicable.

This is not an issue of prescription of debt which is between a debtor and creditor. This is an issue of how long a listing can be reflected on your credit profile by the credit bureau. There are various timeframes for various listings but generally if the debt is older than 5 years it cannot be listed on your profile. Experian and possibly others are contravening several acts/laws in this regard. I encourage everyone to check this and take them to task. Perhaps a class action suit is in order as well regulars and ombud to discipline these guys.