******** Account Status Manipulation, Incorrect Reporting & Failure to Apply NCA Retention Period

I am lodging a formal complaint against TransUnion regarding the ******** and inaccurate reporting of three (3) Lewis accounts that were listed as “W – Bad Debt Written-Off” on 22 November 2024 — but are now incorrectly showing as “Active” and “In Arrears” on my TransUnion profile.

This is a direct violation of Section 71(2) of the National Credit Act (NCA 34 of 2005) Regulation 17 & 19 of the Credit Information Regulations The Prescribed Retention Period Schedule.

WHAT TRANSUNION IS DOING WRONG This serves as a formal legal notice and request for urgent regulatory intervention in terms of Section 71(2) of the National Credit Act (NCA), due to:

******** processing of credit information and Inaccurate and conflicting reporting of account statuses failure by Credit Bureaus to correctly apply retention periods for "Written-Off" listings, Failure to update my credit profile in accordance with the NCA, Regulations, and Prescribed Retention Schedule

The affected accounts relate to three Lewis Store accounts initially listed as “W – Bad Debt Written Off” on 22 November 2024.

STATUTORY CONTEXT: SECTION 71(2) OF THE NCA

Section 71(2) of the NCA states:

A credit bureau must remove information from a consumer's credit record when the retention period prescribed in the Regulations has expired, and must ensure that the information is not reloaded, re-submitted, or re-posted thereafter.

Additionally:

Written-off debt may not be reactivated, reposted, or converted back into an “active/arrears” account when the retention period has expired.

The bureau must mark the account as CLOSED once the retention period lapses.

COMPARISON WITH OTHER BUREAUS Experian Fully Compliant Experian is 100% compliant with the NCA and retained the correct timeline.

KEY LEGAL POINTS TRANSUNION IS IGNORING OR IGNORED Evidently so, being in contact with a lot of consultants from Transunion they simply ignored these but rushed to debit my bank account R321 even duly noting these incorrect entries that violates not only my constitutional right but Violating Section 71(2) of the NCA, This incorrect reporting is causing unfair harm to my creditworthiness, and I require urgent correction within the statutory 5 business days. Written-Off accounts MAY NOT be revived and once written-off and retention has expired

WHAT TRANSUNION IS DOING WRONG Showing Written-Off + Active + In Arrears simultaneously (*******) After retention expiry: Removed “Written-Off” but left accounts as Active & In Arrears TransUnion is now doing exactly the same thing, which is a violation.

These accounts expired on 22 November 2025

The retention period for Written-Off accounts is 12 months. Therefore Listed: 22 November 2024 Retention Expiry: 22 November 2025

According to Section 71(2): When the retention period expires, the information MUST be removed and the bureau MUST NOT reprocess or revive the information thereafter.

WHAT I HAVE ALREADY DONE Logged a dispute with Transunion Collected screenshots showing TransUnion’s non-compliant reporting and prepared a formal Section 71(2) notice that i will send to the Ombudsman and NCR should these be not rectified within 5 business days as the retention period lapsed

WHAT I AM DEMANDING FROM TRANSUNION Immediate correction of ALL THREE ACCOUNTS: Remove ALL active statuses Mark ALL three accounts as CLOSED Explain why TransUnion violated the retention rules These cannot be ignored and therefor should be attended to as i have an active profile with TransUnion and active debit order that is scheduled to go off on the 28 November 2025

MY EXPECTATION AND CONCLUSION TransUnion is: Reporting expired information Misclassifying Written-Off accounts Violating Section 71(2) of the NCA Contradicting Experian (who followed the law)

My ID number is *** Contact number ***

Regards Thabang Kola