Complaint: Wonga Online - Incorrect Cession and Credit Reporting

My Wonga account number *** was under debt review, during which I made regular payments. The final payment of R15.09 was paid on 03 July 2023, and despite the completion of my debt review payments, Wonga incorrectly ceded my account to Nimble Group on or around 01 August 2023. This incorrect cession has resulted in inaccurate and damaging information being reported to the following credit bureaus: TransUnion, Experian, XDS, and VCCB. I am deeply concerned that Collection Manager Melanie de Bique failed to conduct due diligence before ceding my account to a third party, particularly considering the consistent payments made during my debt review period. Furthermore, she should be held accountable for this negligence, especially given the complete lack of response from Wonga to my numerous emails seeking clarification. I have made repeated attempts to resolve this issue directly with Wonga. Specifically, I sent emails on 17 February 2025 and 24 February 2025, demanding that they: • Instruct the credit bureaus to remove the Nimble Group account entry from my credit profile. • Provide written confirmation of these instructions and a timeline for the updates. • Provide an explanation for the incorrect cession. Wonga has failed to respond to my requests or take any action to correct this error. I sent a final warning email with a 3-hour deadline, which was not met. Not even a courtesy email to say that they are working on the problem or that they will not assist, just silence. This complete lack of response, even after a final warning, demonstrates a clear disregard for my consumer rights.