Experian Is Misreporting My Credit Data and Causing Serious Harm

I’m extremely disappointed with Experian for the inaccurate and contradictory information reflected on my credit profile regarding an ABSA personal loan (Account No: *******352).

What’s even more concerning is how Experian is presenting conflicting data across different reports — which not only misrepresents my financial obligations but is also potentially ********.

In one Experian report (dated 4 April 2025, printed 29 May 2025), the account is correctly shown as “written off” with an adverse date of 28 May 2024 — clearly acknowledging that the creditor has closed the account and accepted it as a loss.

However, in a separate report dated 31 May 2024, the exact same account is shown as “open/current” and 9 months in arrears, with payment history indicating I’m still in default — despite no payments being made since 30 January 2023.

How is it possible for the same account to be both written off and open/current at the same time?

This kind of internal inconsistency is misleading, damaging, and reflects a total lack of internal oversight. I have not acknowledged the debt, made a payment, or signed any agreement — so relisting this account as “current arrears” is highly questionable and appears to violate the National Credit Act and NCR guidance.

I’ve raised a formal dispute with Experian and am still awaiting resolution. If not addressed promptly, I will escalate this case to the Credit Ombud, National Credit Regulator, and take it to other consumer platforms.

Experian, please stop harming consumers through poor data handling. We deserve clean, accurate, and legally compliant records — not confusion and reputational damage.