1 reviews | Active since Jan 2020
Experian useless Credit Beaureu
I am lodging a complaint against Experian South Africa regarding incorrect and ******** credit reporting.
I have a prescribed account with account number ***. I disputed this account last year, and Experian updated it as closed in November 2025.
To my surprise, Experian has now updated the same account again as open, which is incorrect and prejudicial.
This account: • Was opened more than 3 years ago (18/10/2022) • Prescribed on 18/10/2025 • Was already corrected and marked closed in November 2025 after my dispute
Re-opening a prescribed account is inaccurate, misleading, and contrary to the National Credit Act and credit bureau reporting rules.
This incorrect listing is damaging my credit profile and financial reputation.
I request that Experian: 1. Immediately correct the status to prescribed / closed 2. Remove any adverse or active listing related to this account 3. Provide written confirmation once corrected
If this matter is not resolved urgently, I will escalate it to the Credit Ombud and the National Credit Regulator (NCR).
* Original Creditor: Woolworths
* Purchased By: Nimble Credit Facility Pty Ltd
* Account Number: **********256122
* Status: Both accounts show Closed, R0 balance
* Both accounts reflect negative listings for the same dates and years
Original Creditor: Cell C
Purchased By: Nimble
Original Account: **********59 → Closed, R0
Nimble Account: ********** → Closed, R0
Both accounts reflect negative listings for the same dates and years
Both accounts reflect the same underlying debt, yet both are listed as separate trade lines. This duplicates adverse information, which is prejudicial and violates credit bureau reporting guidelines under the National Credit Act. Both accounts are closed, and no balance is owed.
I request that the secondary listing (Nimble) be removed from my credit profile immediately to prevent unfair duplication of negative information.
Please acknowledge receipt of this complaint and provide a written response within the statutory 20 business days as required by law.
I requested the removal of all these four negative accounts on my profile as the is no consistency and accuracy as the accounts have been updating at the same dates for single accounts.
If this matter is not resolved urgently, I will escalate it to the Credit Ombud and the National Credit Regulator (NCR)
* Original Creditor: Woolworths
* Purchased By: Nimble Credit Facility Pty Ltd
* Account Number: **********256122
* Status: Both accounts show Closed, R0 balance
* Both accounts reflect negative listings for the same dates and years
Original Creditor: Cell C
Purchased By: Nimble
Original Account: **********59 → Closed, R0
Nimble Account: ********** → Closed, R0
Both accounts reflect negative listings for the same dates and years
Both accounts reflect the same underlying debt, yet both are listed as separate trade lines. This duplicates adverse information, which is prejudicial and violates credit bureau reporting guidelines under the National Credit Act. Both accounts are closed, and no balance is owed.
I request that the secondary listing (Nimble) be removed from my credit profile immediately to prevent unfair duplication of negative information.
Please acknowledge receipt of this complaint and provide a written response within the statutory 20 business days as required by law.
I requested the removal of all these four negative accounts on my profile as the is no consistency and accuracy as the accounts have been updating at the same dates for single accounts.
If this matter is not resolved urgently, I will escalate it to the Credit Ombud and the National Credit Regulator (NCR)