1 reviews | Active since Dec 2011
Reporting False Information to Credit Bureaus
My debit order for the 25th of August bounced. I settled the account on the 5th of September. I then called on the 8th of September and advised Teljoy that I am still receiving SMSes requesting me to settle when I had already paid a few days ago. I was told that the payment was not yet reflecting and that I mustn't worry - I must give it another day and then call again. The consultant also advised me that I have over paid the account and that I have a credit with them, which will offset against my next debit order for the 25th of September.
On Tuesday, the 9th of September, I sent Teljoy an email with my proof of payment, advising them to update their records as the account was paid up on the 5th of September. They responded to my email advising that the payment has been allocated and the account is up to date.
Today, I logged into my Experian to see my score as I have been very good at maintaining a good credit score over the past few YEARS. To my shock, I saw that Teljoy has listed my account as being in ARREARS with TWO INSTALLMENTS, and this has caused my credit score to drop by 20 points, to below 600 - which has not happened for the past FIVE YEARS! I sent an email to Teljoy demanding that they rectify the issue and reach out to the credit bureaus and admit to reporting false information as the account was settled DAYS before they reported the false information to the credit bureaus - all I get is an email response from them advising me to ignore the SMSes I got. I NEVER RECEIVED AN SMS! THIS WAS NOT MY QUERY! MY QUERY IS THAT YOU REPORTED FALSE INFORMATION TO THE CREDIT BUREAU, WHICH HAS NEGATIVELY IMPACTED MY SCORE, WHEN I ACTUALLY PAID YOU A WEEK AFTER THE DEBIT ORDER HAD BOUNCED! YOU NEED TO RECTIFY THIS OR I WILL BE TAKING FURTHER ACTION, AS YOU ARE AFFECTING MY CREDIT SCORE WHICH I HAVE BEEN BUILDING UP FOR YEARS, IN ORDER TO PURCHASE A HOUSE!
Thank you for reaching out, and we sincerely apologise for the frustration and distress this situation has caused — especially given your consistent efforts in maintaining a good credit record.We understand how serious this matter is, and we want to assure you that we are treating it with the urgency it deserves.Please note the following:🔹 We acknowledge receipt of your payment on the 5th of September, and we confirm that it has been allocated to your account.
🔹 We are currently investigating the discrepancy regarding the credit bureau listing, as we take any reporting of incorrect information very seriously.We understand your concern regarding your credit score, especially with your plans to purchase a home, and we are committed to resolving this swiftly and fairly. We’ll ensure this is escalated directly to our Collections Team.Once again, we deeply regret the inconvenience caused and appreciate your patience while we work on correcting this matter.
Thank you for reaching out, and we sincerely apologise for the frustration and distress this situation has caused — especially given your consistent efforts in maintaining a good credit record.We understand how serious this matter is, and we want to assure you that we are treating it with the urgency it deserves.Please note the following:🔹 We acknowledge receipt of your payment on the 5th of September, and we confirm that it has been allocated to your account.
🔹 We are currently investigating the discrepancy regarding the credit bureau listing, as we take any reporting of incorrect information very seriously.We understand your concern regarding your credit score, especially with your plans to purchase a home, and we are committed to resolving this swiftly and fairly. We’ll ensure this is escalated directly to our Collections Team.Once again, we deeply regret the inconvenience caused and appreciate your patience while we work on correcting this matter.
I need Teljoy to contact the credit bureaus and advise them that the arrears was incorrectly submitted and should be reversed by the credit bureaus so that my score returns to what it was, which was 617.
I need Teljoy to contact the credit bureaus and advise them that the arrears was incorrectly submitted and should be reversed by the credit bureaus so that my score returns to what it was, which was 617.
Thank you for bringing this to our attention again, and we sincerely apologise for the continued frustration and inconvenience caused. We completely understand how important your credit profile is — especially when the error was not on your part.
Please note:
✅ If your account was reported incorrectly as in arrears, our collections Department will submit a correction request to the credit bureaus to update your record and remove the incorrect arrears listing.
✅ We will escalate this as a matter of urgency to ensure the appropriate action is taken to reverse the incorrect listing and restore your score to its rightful state.
We value your long-standing commitment to maintaining a strong credit record, and we’re committed to resolving this fully and fairly.
Thank you for bringing this to our attention again, and we sincerely apologise for the continued frustration and inconvenience caused. We completely understand how important your credit profile is — especially when the error was not on your part.
Please note:
✅ If your account was reported incorrectly as in arrears, our collections Department will submit a correction request to the credit bureaus to update your record and remove the incorrect arrears listing.
✅ We will escalate this as a matter of urgency to ensure the appropriate action is taken to reverse the incorrect listing and restore your score to its rightful state.
We value your long-standing commitment to maintaining a strong credit record, and we’re committed to resolving this fully and fairly.