IT
Itumeleng T
Active since Mar 2019
25
Reviews
0
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Reviews
25 reviews15 months ago
Experian at it again
Dear Experian Team, I am writing to express my deep dissatisfaction with the lack of consistency, transparency, and communication regarding my credit score on your platform. Last month, I raised a complaint about your poor communication—emails and phone calls went unanswered. I also highlighted the alarming difference between my Experian score and my TransUnion score. After my detailed complaint, my Experian score increased from 601 to 626. While one of your agents called to apologize and assured me that this increase was unrelated to my complaint, they also revealed that my information had not been updated in two months. Following this, I contacted my bank to ensure that all my account information was up to date. Both of my accounts are in good standing, and the bank confirmed that my records were updated. Today, to my shock, I logged into Experian to find that my score has dropped significantly—from 626 to 607—without any new credit applications or changes on my end. Meanwhile, my TransUnion score remains at 664, further highlighting the glaring inconsistency in your scoring. This inconsistent behavior is not only frustrating but also damaging to my credit reputation. It is deeply concerning that creditors rely on your platform when it fails to provide accurate and consistent scores. I demand a detailed explanation for: 1. Why my score dropped by 19 points despite no changes to my credit profile. 2 The steps you are taking to ensure your credit scoring process is transparent and reliable going forward. I also request that you provide regular updates on my account status and ensure my score is accurate and reflective of my true credit behavior. Your lack of consistency and accountability is unacceptable. Please treat this as a formal complaint and escalate it to the appropriate department. I expect a prompt response and resolution to this matter.
53 replies
15 months ago
No credit burea update
I am writing to formally lodge a complaint regarding the failure of Standard Bank to update my credit information with the credit bureau for the months of October and November 2024. This issue was brought to my attention only recently, prompting me to call your customer service team to address it. While I appreciate the assistance provided during my call, I was deeply disappointed to learn that the only solution offered was to conduct an enquiry on my profile, which may have adverse effects on my credit score. It is wholly unacceptable that I am now at risk of a negative impact on my credit profile due to the bank’s negligence in fulfilling its obligations. This situation has caused me undue stress, and I am particularly concerned about the potential long-term effects on my creditworthiness.
56 replies
16 months ago
Experian horrible Experience
Subject: Formal Complaint Regarding Discrepancy in Credit Report and Poor Customer Service To Whom It May Concern, I am writing to formally lodge a complaint regarding several issues with my Experian credit report and the lack of assistance from your customer service team. 1. Discrepancy in Credit Report Summary: My credit report summary indicates that new accounts are in arrears, yet a detailed review of my report shows that I have only two active accounts, both of which are up to date. This inconsistency is misleading and may unfairly impact my creditworthiness. 2. Outdated Information: My credit report has not been updated since October 2024. This raises concerns about the accuracy and reliability of the information being provided to creditors. 3. Unexplained Scoring Differences: I noticed a significant disparity between my credit scores on Experian (601) and TransUnion (638), even though I have consistently paid off my debts. While I understand that scoring models differ, such a large gap is unreasonable and calls into question the methods used by Experian. 4. Unprofessional Customer Service: I have made multiple attempts to contact your call centers and branches, but I was either left on hold for over two hours or failed to receive any concrete assistance. This lack of support is unacceptable, especially given the impact that credit reports have on consumers’ financial lives. I request the following actions be taken: • Immediate Investigation: Review my credit report to correct any inaccuracies, particularly regarding the arrears status and outdated information. • Transparency: Provide a clear explanation of why my credit score remains low despite paying off debts. • Improved Customer Service: Address the inefficiencies in your customer service processes to ensure timely assistance for consumers. If these issues are not resolved within 20 working days, I will have no choice but to escalate my complaint to the Credit Ombud for further investigation. I look forward to your prompt resolution of these matters.
56 replies
16 months ago
Experian horrible service
Experian has not updated my score since October. I also feel they are so shady with how they score, when I log onto Experian it says accounts in arrears where as I closed all accounts and only have two accounts that are are up to date. I emailed them asking why does it say false things when I log in my report and they had no straight answers. After I asked this my credit profile was never updated. Also how can my score on transunion be 638 while it’s 601 on Experian such a huge difference does not make sense. They are very *********** and never answer their phones, I don’t understand why creditors take them so seriously when they themselves can’t take their customers seriously
56 replies
21 months ago
Experian is the worst
I was in financial trouble since 2021 and recently I managed to solve it. The problem is Experian is not updating my credit score. In fact it has lowered. Each time I try to contact them I end up holding for so long
56 replies
22 months ago
Avoid Alliance at all costs
I paid of my Vodacom account which was handed over to Alliance on the 15th of June. I’m of the knowledge that paid up letters take 7 to 10 working days. I am currently still waiting and they are making up excuses daily. Firstly it was their system crashed etc then it was what what was not logged then now they saying the department that does paid up letters is the issue then it was I only get it after 21 days. I’m not waiting for 21 days because I still need to submit that very letter to credit bureaus. My life is on hold because of them. I wish I was jaded over to a different company. I have never had to wait this long for a paid up letter, it’s pathetic
0 replies
23 months ago
Experian has poor service
I lodged a dispute over a month ago. Then last week Wednesday I got an email that states that the dispute had been resolved in my favour. However I keep checking and my credit profile says I still owe absa while I paid them in full in January and lodged a dispute. I don’t know why Experian won’t update my profile. Even when you call you on hold for hours
106 replies
25 months ago
Long delivery
My husband purchased a piece of furniture online/ in store and we were told it would arrive within 5 to 7 days. The item has not arrived and it’s been almost over 2 weeks. The poor service we getting has made us decide that we want our money back, however we are now being told that we can’t get our money back. We are no longer interested in the item because of the delay
53 replies
25 months ago
Stay away from Mafori
I would like to warn people from using this company, they say they help but all they do is take your money. They don’t follow up on you as their client who needs credit rescue . Rather save your money and try pay your debts little by little. One of the worst decisions of my life
53 replies
35 months ago
Appalling service
On the 26 of April I noticed that my premium was up as one of my children dependents were charged as an adult. I then spoke to a representative at the Emalahleni branch to submit proof of registration at a college that my child attends. The name of the representative is Tebogo Mapheka I gave him the documents on the 26th of April to avoid any issues. He failed to submit these documents and I was left having to pay a high premium once again because the representative who promised to submit these documents failed to do so. I submitted the documents myself with the help of a colleague on the 17th. The service from this representative has caused a huge financial burden on me and this is disgusting. The scheme needs to do a better job, I would like a refund as a matter of urgency as this was not my doing
53 replies
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25 (100%)