******** Retention of Prescribed Debt

I am lodging a formal complaint against Experian South Africa for the continued and ******** reporting of a prescribed account on my credit profile.

The DMC / Truworths account in question was supposed to be removed by December, and has already been removed by TransUnion and other credit bureaus, confirming that it meets the legal requirements for removal.

Despite this:

Experian continues to display the account

Multiple disputes have been logged with no response

Phone calls go unanswered and only reach an automated system

Experian is demanding “closure dates” that are already reflected in their own records

The account is closed, has a zero balance, and is prescribed. Continued reporting is a breach of the National Credit Act and Regulation 19(7).

Experian’s failure to act is materially harming my ability to access credit, despite the same data being removed by other bureaus.

I request immediate removal of the account and written confirmation, failing which I will escalate this matter to the National Credit Regulator (NCR) and the Credit Ombud.

This issue has already exceeded reasonable resolution timelines.