TransUnion published fabricated mortgage arrears — score dropped 86 points in 9 days — dispute dismissed in 24 hours without evidence

TransUnion dismissed my formal dispute (***-000335-01) within 24 hours of lodging it on 17 February 2026, claiming "credible evidence" from Nedbank — without providing that evidence to me as required by law (section 72(4) NCA). The dispute concerns Nedbank Mortgage Account ***. The property was sold by court order (Case No. 10447/20) and transferred on 8 December 2025. The account was closed by a High Court judgment in 2020. No credit agreement exists. No instalments are due. TransUnion's profile now shows — as at 31 March 2026:

9 months in arrears (April 2024) — fabricated. No agreement existed. 9 months in arrears (December 2025) — fabricated. Written off (January 2026) — a post-judgment shortfall, not a consumer default.

These markers have no factual basis and are worsening. My TransUnion score dropped 86 points in 9 days — from 692 (Good) on 22 March to 606 (Average) on 31 March — directly because of this inaccurate data. The "credible evidence" from Nedbank was never shared with me. The four credit bureaus reported four different statuses for the same account — proof the data is unreliable. I have lodged NCR Form 29 complaints against TransUnion and Nedbank, and a POPIA complaint with the Information Regulator. I have given TransUnion until 7 April 2026 to correct the listing and provide the evidence. No response yet. This is causing real, ongoing financial harm.