********** Form 16 - IP *** - User ID ***

My experience: On 13 Feb 2026 at 14:51:14 I was registered for debt review. Form 16 audit shows IP *** (localhost), email *** (not mine), TraceId ***. Location shows MTHATHA but IP proves it was not from my device. Same day FNB DebiCheck attempt R7,506.36 at 17:32. Listed on TransUnion as under debt review 2026/04/08 score 0/1010 though I never signed with my IP/email.