Wrongly blacklisted recovery

I am writing this public review as a final attempt to resolve a persistent issue with PayJoy. For months, I have been requesting the closure of my contract and the removal of a wrongful blacklisting entry. My device was returned within 12 days of purchase, yet the associated loan obligation remains open on my credit profile, contrary to the PayJoy Customer Charter. While a resolution is reportedly underway for a linked account (my mother’s), my own account remains unresolved. This is my sixth review and attempt to resolve this matter. I request the following immediate actions: Issuance of my official clearance letter. Immediate removal of all negative listings from my credit bureau profile. Written confirmation that the matter is fully cleared on your internal systems. I urge PayJoy's escalation team to use my ID/Account number provided in the review submission to locate my file and contact me via the HelloPeter platform to confirm resolution. Failure to resolve this within 5 business days will result in me escalating the matter to the National Consumer Commission.