Disappointing experience with RCS/CTM – incorrect payment status affecting my credit score

I am extremely disappointed with the way my account and payment were handled by RCS/CTM.

I made my payment on 3 July 2026, well before the due date. However, my payment was only reflected on my account approximately 10 days later. I had to contact them and provide proof of payment before the payment was eventually updated.

A lady from the RCS call centre subsequently called me to apologise for the issue. During the call, I was specifically assured that the incorrect/missing payment status would be removed from my ITC/credit record and that the issue would not negatively affect my credit score.

Unfortunately, when I checked my credit score today, 26 August 2026, I discovered that my credit score had dropped and that RCS had reported a missed payment on my CTM card.

This is extremely concerning and frustrating. I made my payment on time, provided proof of payment when requested, and was assured by RCS that the matter would be corrected.

Despite this, my credit record has apparently been negatively affected.

I would like RCS/CTM to urgently:

• Correct the incorrect missed-payment information reported to the credit bureaus. • Ensure that the incorrect adverse information is removed from my credit record. • Confirm in writing that the correction has been submitted to the relevant credit bureaus. • Investigate why a payment made on time was reported as a missed payment in the first place. • Take responsibility for any damage caused to my credit profile as a result of this error.

Customers should not have to suffer damage to their credit profiles because of an internal payment-processing or administrative error, especially after the company has acknowledged the problem and promised that it would be corrected.

I hope RCS takes this matter seriously and resolves it urgently.