Credit insurance claim prejudice

write to reiterate my serious concern and formally escalate my complaint regarding your institution's continued failure to process my debt insurance claim and the unjustified listing of my account with a credit bureau. In November 2025, my employment was terminated as a result of my contract not being renewed. Immediately upon this change in circumstances, and in strict adherence to the terms of both the credit agreement and the associated debt insurance policy, I notified your institution and submitted all required documentation to initiate the insurance payout against the outstanding balance. Despite having fulfilled every procedural obligation on my part — promptly and in full — your institution has, to date, failed to: • Acknowledge receipt of my insurance claim submission; • Provide any update or formal response regarding the processing of the claim; or • Take any steps to honour the debt insurance policy to which I am contractually entitled. This prolonged silence and inaction is wholly unacceptable and constitutes a clear disregard for your contractual obligations. To compound this failure, I have now discovered that your institution has proceeded to list this very debt with a credit bureau — despite the fact that a valid insurance claim remains unprocessed through no fault of my own. This listing is: • Factually incorrect, as the debt should have been settled or suspended through the insurance mechanism; • Procedurally unjust, as your institution has neglected its duty to process the claim before taking adverse action; and • Materially damaging, as it has caused significant and ongoing harm to my creditworthiness and financial reputation. In light of the above, I once again formally demand that your institution take corrective steps.