Dispute of Unauthorized Credit Inquiry and Application

I am writing to formally raise a concern regarding an unauthorized credit inquiry and application linked to my profile. On the day in question, I was using the PayJustNow app with the sole intention of requesting a small increase (R1,000) to my existing spend limit. At no point did I apply for, or consent to, any credit facility with Finchoice. Shortly thereafter, I began receiving messages prompting me to approve a debit check mandate. Recognizing that this was not something I had initiated, I immediately contacted your call centre and clearly informed the consultant that I had not app**** for any Finchoice credit facility. I requested that any such application be cancelled. I was advised that the matter would be escalated. Despite this, I continued to receive mandate approval messages and was later contacted again by another consultant. I once again made it clear that I was not interested in any credit offering from Finchoice and had not app**** for one. It has now come to my attention that a hard credit inquiry has been recorded on my Experian credit profile as a result of this incident. This is extremely concerning, as I am very cautious about my credit behavior and do not consent to unnecessary or unauthorized checks that may negatively impact my credit standing. I would like to formally request the following: A full explanation as to how a credit application was initiated and processed without my consent. Clarification on how a debit mandate request was generated without a completed and approved application. Immediate removal of the unauthorized hard inquiry from my credit profile with Experian.