Experian's automated dispute system denies consumer rights on complex matters

My home loan was cancelled by High Court process in 2020 and the property sold in execution in June 2025. The credit agreement has not existed for years. Despite this, Experian continues to list the account as OPEN/CURRENT with 23 fabricated adverse payment markers, a wrong default date of January 2026, and a monthly instalment that no longer exists. I have disputed this multiple times. Experian's automated system closed my most recent dispute (EXP***6-CD205188) demanding a "Paid-Up Letter or Cancellation Letter." No such document exists or can exist for a court-terminated mortgage. This is the wrong process app**** to the wrong type of dispute. Two other credit bureaus have already corrected this data. Experian is the outlier. The National Financial Ombud has opened a formal case (***) against Nedbank on this matter and has directed me to file a separate complaint against Experian. Regulatory complaints are also active with the Information Regulator (POPIC***0) and the NCR. Experian's dispute system is not designed to handle legally complex disputes.

When the automated dropdown doesn't fit the facts, it simply closes the case and leaves the consumer with no recourse. This is a failure of your obligations under section 72 of the National Credit Act and section 16 of POPIA — not a technical glitch. I am asking Experian to apply human judgment and correct this listing. The bank's own written admissions are already on record. No further verification is needed.