The painful process of recovering from an Identity Theft part 2

Posted on June 6, 2012

A short while back I wrote about my experiences with having my identity stolen –  and with Truworths, Identity and collection agencies hassling me for payment on accounts which I didn’t open.

As previously described I had some painful experiences with TransUnionITC, who in my opinion, are not respecting the National Credit Act and provide some pretty painful customer service.

Shortly after having lodged my complaint with ITC I received an SMS confirmation that the “trace alert” on my account as placed by the collection agency had been removed. Clearly due process had not been followed so that black mark against my record was resolved.

On Thursday 30th I received two more SMSs, one for each of the objections I had lodged against Truworths and Identity. The SMSs said “The account and payment history that reflected against your personal credit report with TransUnion has been deleted for TU20120502-000214-01/02”. the last two marks erased.

It took them the entire allowable period but they did remove the bad credit references on time. I received no calls back from TransUnionITC managers with respect to calls I made when none of them were available. I received no reply to the questions on my initial objection with respect to them not following the provisions of the National Credit Act. I still believe that TransUnionITC are breaking the law by virtue of not following due diligence procedures in vetting the information provided by their clients (the credit providers), by still prejudicing us (the consumers) by flagging our references being provided to credit suppliers as being suspect when a dispute is going on, and being party to this bullying process going on against the consumers.

I am not sure if I should be saying thanks to them for the pieces of the law that they actually obey, but I am still annoyed with them for treating me as a criminal and prejudicing me while their own staff don’t know the law and they are not obeying it.

The good news, I managed to dump vodacom in the meantime, and have happily and easily moved to a Cell C prepaid option (viva 99c everything). More about that in another post. Still looking forward to hearing from others having similar challenges.

If you haven’t read the original article, it includes extracts of the National Credit Act, highlighting relevant areas for cases like this. Link here.

(Posted from my iPad)

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Categories: Consumer Protection Act, National Credit Act, Pick On


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