Judgment Masked, Not Removed

Experian SA claims that my judgment has been “removed,” yet in reality it has only been masked/hidden. My credit score has not changed at all despite this supposed update, which proves that the judgment still exists in their system and has not been lawfully removed.

This is highly misleading. As a consumer, I have the right under the National Credit Act to an accurate and up-to-date credit profile. Masking a judgment is not the same as removing it, and it does not restore my score or financial reputation. It is nothing more than a delay tactic that keeps me trapped in circles.

I have been dealing with this dispute (***-CD25256) since October last year, submitting documents, following up repeatedly, and yet Experian continues to stall. My judgment has not been properly updated since August 2022, more than three years ago.

I demand a full and permanent resolution:

The judgment must be completely removed, not hidden.

My credit score must be updated to reflect the correct status.

I must receive clear feedback explaining why Experian has failed to comply with the legal dispute timelines.

Experian SA is in breach of its duties under the National Credit Act, the Consumer Protection Act, and the POPIA (for failing to keep my data accurate). Unless this is resolved urgently, I will escalate my complaint to the National Credit Regulator, Credit Ombud, National Consumer Commission, and the Information Regulator.