TFG Closed My Case Without Resolving the Issue

Following my initial complaint, TFG responded with a generic explanation claiming they “cannot remove correctly reported information.” Immediately after sending this weak response, they closed my case (Ref: CS‑***) without addressing any of the procedural issues I raised.

TFG did not explain why:

No 20‑business‑day written notice was issued, as required by the National Credit Act.

My account was listed despite being only 15 days in arrears, not 30 days.

The listing was submitted even though I communicated intent to pay and settled promptly.

The arrears amount was only R85 on a R17,400 credit limit with a perfect payment history.

Closing a complaint without investigating these points is unacceptable and shows a lack of accountability. I have now escalated this matter to the Consumer Goods & Services Ombud (CGSO) for independent review.