Salam listing for R539?? Blacklist without notice and no reason!!!

I formally dispute the adverse credit listing recorded against my name by Sanlam for an alleged amount of R539.

I was declined a credit facility increase at ABSA due to this listing, which has negatively affected my financial standing. I have never received any prior notice or communication regarding this alleged debt, which is a direct violation of the National Credit Act and POPIA.

Upon contacting your loan department, your consultant was unable to locate any record of this debt, raising serious concerns about the accuracy and legality of the listing.

I require the following within 7 (seven) days:

Written proof of the alleged debt (agreement and statement)

Evidence of prior notice before listing

If valid, full payment details and reference so I can settle immediately

Immediate removal of the listing if proof cannot be provided or once payment is made

Failure to resolve this matter will result in escalation to the National Credit Regulator and Credit Ombud, and I reserve my right to pursue legal action for damages.

Kindly treat this matter as urgent and respond in writing.