Complaint Regarding Incorrect Credit Report Information

I would like to formally express my profound disappointment and frustration regarding the inconvenience and significant impact caused by your handling of my account after the termination of my contract.

My contract ended on the 31st of July 2024. I was informed that a final debit order would still be processed for that month, which I accepted. However, in September 2024, an unexpected debit order of R14.92 was processed without any prior explanation or communication from your side. While I did not initially dispute this small transaction, I was alarmed when I reviewed my credit report in mid-September and discovered that it incorrectly reflected a missed payment for September.

This erroneous record caused a significant drop in my credit score, which in turn led to a declined loan application for a major purchase I was in the process of securing. This error has had a serious impact on my life, both financially and emotionally, as I am now unable to proceed with plans that were contingent on securing that loan.

I promptly contacted Vodacom to address the issue and was provided with a paid-up letter. However, despite assurances that my credit profile would be updated to reflect my accurate payment history, my credit report still shows the missed payment for September. I have been in continuous contact with your team via email, but my concerns have not been resolved.

Your repeated claims that my profile has been updated are clearly false, as evidenced by my credit report, which remains unchanged. To date, Vodacom has failed to rectify this issue, take accountability for its mistake, or provide a satisfactory resolution.

This situation has caused me considerable inconvenience and stress, as it has unfairly tarnished my creditworthiness and disrupted my financial plans. I expect immediate action to rectify this issue, including the following: 1. An immediate update of my credit profile to accurately reflect that no payment was missed in September 2024. 2. A written confirmation of the update and proof that the relevant credit bureaus have been notified. 3. A formal acknowledgment of Vodacom’s error and an explanation of why this issue was not resolved in a timely manner.

I trust that this matter will now receive the urgent attention it deserves, and I expect a prompt response outlining the steps being taken to address my concerns.