Complaint

Complaint regarding *** account and negative credit listing

I am escalating a concern regarding my *** account, which is currently reflecting as an unpaid/open account and negatively affecting my credit score.

I have been unemployed for almost five years and have experienced financial difficulties during this period. The account was previously disputed, and I did not receive any communication or proper resolution regarding the dispute.

What concerns me is that after all these years, the account is now still being flagged as an unpaid account and continues to affect my credit profile. I would like TFG to clarify why the account remains open and why this matter was not resolved or properly communicated to me previously.

Despite my financial circumstances, I have made an effort to resolve the matter. I offered R200 as a once-off payment to settle and close the account, but I have not received a response to this proposal.

I am not refusing to resolve the matter. I am asking TFG to please review the account history, the previous dispute, and the communication records, and consider my circumstances when providing a final settlement option.

If TFG is willing to accept the R200 once-off settlement, I would like written confirmation that the account will be regarded as settled/closed and that the relevant credit bureaus will be updated accordingly.

I would appreciate a fair and practical resolution so that I can finally put this matter behind me and work towards rebuilding my credit record.

TFG, please investigate this matter and provide me with a written response and a reasonable way to resolve the account.