Unfair Credit Bureau reporting Despite Active payments effort

Title: Unfair Credit Bureau Reporting Despite Active Payment Efforts

I am writing this review to express my frustration with how TFG has handled my account, especially in relation to the recent mispayment showing on my ClearScore credit report.

I have been making consistent efforts to pay off my account and have never skipped a month without paying. Although I haven’t always paid the full installment, I have been paying at least half of the due amount monthly to show good faith. For example, on 29 April, I paid R850, which was half of the R1,618 due. I made this payment specifically to avoid being marked as having missed a payment.

I also reached out to the collections department and tried to set up a formal payment arrangement. However, I was told they are unable or unwilling to load any payment arrangement on the system. This has left me with no clear option for formalizing my payments, despite my consistent communication and effort.

Now I am shocked to see that TFG has reported me to the credit bureau for a mispayment. This is unfair and misleading, as I have not defaulted on my responsibilities. I’ve been cooperative and proactive in trying to resolve this.

I am urgently requesting TFG to correct this mispayment entry on my credit record and to acknowledge the payments I have made. I’m simply trying to manage my debt responsibly. Please advise on how I can resolve this matter and ensure no further incorrect reporting occurs.