Unfair Credit Listing and Lack of Accountability from XDS (splendi) Credit Bureau

I am extremely disappointed with the way XDS Credit Bureau handles consumer disputes and the accuracy of the information they publish on people’s profiles. Their listings have a serious impact on our lives — from job opportunities to access to housing and finance — yet they seem to publish information without proper verification or supporting documentation.

When I questioned a listing under my name (Ref: XD15092025045), I was met with repeated delays and vague responses. Instead of providing proof of the alleged account or judgment, XDS told me to “take it to the Ombudsman.” This kind of response shows a clear disregard for transparency and accountability.

Under Section 73(1) of the National Credit Act (NCA), a credit bureau is required to investigate disputed information and provide documentary proof within 20 business days — failing which the information must be removed. In my case, no such proof has been produced, yet the information remains on my profile.

This is not just poor customer service — it is a violation of the National Credit Act and Protection of Personal Information Act (POPIA), which both require that only accurate, verifiable information be published and processed.

I urge XDS and all credit bureaus to take greater responsibility for the accuracy of their data and to respect the rights of South African consumers. Our financial reputations deserve better oversight and accountability.