Unauthorized Credit Enquiry

Unauthorized Credit Enquiry Date: [21.10.2025]

To: The Branch Manager First National Bank (FNB) [FNB BRANCHHIGHPOINT HILBROW ]

Subject: Unauthorized Credit Enquiry on My Credit Profile

Dear Sir/Madam,

I am writing to formally lodge a complaint regarding an unauthorized credit enquiry that was made on my credit profile by your branch when i went to open an fnb easy account. I recently noticed that a credit check was conducted by FNB on [21.10.2025, ], without my knowledge or consent.

I did not apply for any financial product, credit facility, or account with FNB at the time this enquiry was made. This action has negatively affected my credit profile and constitutes a violation of my right to privacy under the Protection of Personal Information Act (POPIA) and the National Credit Act.

I kindly request that you:

1. Investigate this matter urgently and provide me with written confirmation of who authorized or processed this enquiry.

2. Remove the unauthorized enquiry from my credit profile with the credit bureau(s).

3. Provide me with written confirmation once the enquiry has been deleted.

Please treat this matter as urgent, and respond in writing within 3 working days of receiving this letter. Should I not receive a satisfactory response, I will escalate the matter to the Office of the Information Regulator and the National Credit Regulator (NCR) for further investigation.

Thank you for your attention to this matter. I look forward to your prompt response.

Yours faithfully, [Ayanda Tjale]