Consumer Dispute Process
The National Credit Act (NCA) has prescribed a process for managing consumerdisputes with a Credit Bureau. If you believe that the information on your Experiancredit report is incorrect, please follow this 2-step process:
STEP 1: DO I HAVE A VALID DISPUTE?
A dispute is considered valid at point of communication from you personally toExperian by telephone, fax or e-mail based on the following criteria:
The judgment, sequestration, administration order, default, account informationdoes not belong to you/and or that you have never had dealings with theplaintiff/credit grantor.
The payment profile/account history information has not been updated within thelast 60 days.
The default data has been settled and not updated within 60 days.
An enquiry has been conducted on a credit report that is inaccurate and/orconsent was not supplied. This piece of information will not be flagged;however, all other procedures will be followed.
The judgment, default, account information was listed as a result of fraudulentactivity.
The judgment, sequestration, administration order, default, account informationhas exceeded its retention period.
You were not provided with the 20 day notice period for the listing of defaultinformation.
The default information is prescribed.
There is a duplicate listing of a judgment, sequestration, administration order,default, account information (or combination of above) for the same debt.
Other ad hoc, unfair circumstances have taken place that appear justified andrequire investigation.