TransUnion Ignores Evidence, Retains Erroneous C Track SA Adverse Listing

I lodged a dispute with TransUnion against C Track SA regarding an adverse listing that incorrectly reflects me as having missed a payment in September 2025.

C Track SA failed to explain how the account went into arrears and did not comply with Regulation 19(4) of the National Credit Act, which requires that consumers be given at least 20 business days’ notice before adverse information is submitted to a credit bureau. By ignoring this regulation, both TransUnion and C Track SA have failed to comply with the law.

Instead of investigating properly, TransUnion accepted a disputed account statement from C Track SA as “credible information” and retained the adverse listing on my profile. This was done despite the fact that I had already provided evidence of my communication with C Track’s Legal Department (Pieter Taute), where he claimed the arrears dated back to 2022. TransUnion accepted this contradictory statement without contacting me at any stage.

TransUnion’s dispute process offers no escalation mechanism, meaning any business can submit erroneous statements that are simply accepted without further investigation. This makes their dispute system ineffective and unfair to consumers. A sham.

C Track SA has been unable to explain how my account suddenly went into arrears in September 2025, despite me consistently making the same payment amount for the past 12 months.

Their legal controller, Pieter Taute, has provided conflicting information, and the Legal Department has underhandedly submitted the same disputed statement to TransUnion, despite being unable to justify the figures or explain the arrears.

This conduct by C Track SA is ********* and unacceptable, and it highlights how they exploit the weaknesses in TransUnion’s dispute process to prevent customers from enforcing their rights under the NCA.

I am deeply disappointed and disgusted by the conduct of both TransUnion and C Track SA.