Splendi
Claimed Business
|1|6 Reviews (last 12 months)|This business does not respond to reviews
Splendi
Claimed Business
|1
6 Reviews (last 12 months)
Does not respond to reviews
Performance(last 12 months):
NPS Score
-100Unlikely
NPS Score
-100
Recommended: Unlikely
Review Distribution
1|6 Reviews
Sep '25 - Aug '26
Recent reviews (6)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceAS
Asanda S
1 reviews | Active since Apr 2021
16 Apr 2026, 11:44
they allow credit provider to load accounts which has prescribed
this ITC Company has allowed the account which has legaly prescribed which was resolved in my favour to reload without the company produce the proof that disturbs the prescriobtion and i have queried this with someone name Kefilwe Mamabolo and has not rep**** and other credit bureus have removed and close that account only this unprofesional Credit bueraue allows this nonsens
Helpful (0)
|Replies (1)AS
Asanda S
1 reviews | Active since Apr 2021
16 Apr 2026, 11:44
they allow credit provider to load accounts which has prescribed
this ITC Company has allowed the account which has legaly prescribed which was resolved in my favour to reload without the company produce the proof that disturbs the prescriobtion and i have queried this with someone name Kefilwe Mamabolo and has not rep**** and other credit bureus have removed and close that account only this unprofesional Credit bueraue allows this nonsens
0
Replies (1)MM
MTHOKOZISI M
1 reviews | Active since Feb 2021
15 Mar 2026, 06:43
Bad service
I paid for my PDF credit report on the 12th of March till today I didn't get my report, I sent them email no one is attending my case I have a reference number, please get back to me as soon as possible.
Helpful (0)
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MTHOKOZISI M
1 reviews | Active since Feb 2021
15 Mar 2026, 06:43
Bad service
I paid for my PDF credit report on the 12th of March till today I didn't get my report, I sent them email no one is attending my case I have a reference number, please get back to me as soon as possible.
0
Replies (1)TK
Thabang K
1 reviews | Active since Nov 2018
23 Nov 2025, 09:59
Formal Complaint Against XDS / Splendi for ******** Re-Aging and Incorrect Reporting of Written-Off Accounts (Lewis Stores)
Dear Sir/Madam, I hereby lodge a formal complaint in terms of Section 136 of the National Credit Act (NCA) and the Credit Bureau Regulations against XDS / Splendi for ******** and misleading reporting of three Lewis Stores accounts. This complaint includes an additional, serious breach: XDS displayed the same accounts simultaneously as “Written-Off” AND “Active/In Arrears,” which is factually and legally impossible under the NCA and CBA Data Code. 1. ACCOUNTS IN QUESTION Lewis Stores accounts listed on 22 November 2024 as: R33 118 – Written Off R15 072 – Written Off R29 609 – Written Off These were recorded as “W – Bad Debt Written Off” for 12 months. 2. RETENTION PERIOD EXPIRED ON 22 NOVEMBER 2025 In terms of Regulation 17(1) of the Credit Bureau Regulations: “Adverse information, including written-off listings, may only be retained for 12 months from the date of listing.”Thus: ✔ Legal expiry date: 22 November 2025 ✔ Written-off entries must be removed entirely ✔ Accounts must be marked Closed Other bureaus, including Experian, app**** this correctly. 3. SERIOUS LEGAL BREACH – DUAL STATUS (“DOUBLE REPORTING”) XDS / Splendi committed a major breach of NCA reporting standards by presenting the accounts as:This violates: ▪ NCA Section 70(2)(d) – data must be accurate and reflect the true legal status ▪ NCA Regulation 19(4) – credit bureaus must reject inconsistent data ▪ CBA Data Code of Conduct – final status codes cannot co-exist with active arrears ▪ Principle of Data Integrity under Section 68 A credit account cannot legally be BOTH:A “W – Written Off” status is a final, terminating status Once a creditor writes off a debt: 4. XDS THEN REMOVED THE “WRITTEN OFF” STATUS, BUT *******LY LEFT THE ACCOUNTS AS ACTIVE/IN ARREARS When the retention period expired: Experian correctly removed the adverse information and closed the accounts. XDS removed the “Written Off” flag BUT *******LY re-aged the debt and marked the accounts as Active & In Arrears. I have few points here: Bureaus may not revive expired written-off debt, Bureaus may not re-age closed accounts, Bureaus may not reflect arrears on terminated credit agreements, This behaviour is prohibited by NCA Section 71(2) – outdated information must be removed and CBA Final Status Code Rules – W (Written Off) cannot revert to Active, I now appear to have active arrears on accounts that should be closed. I request Immediate correction of my XDS/Splendi profile Remove all Lewis Stores entries entirely mark accounts as Closed (consistent with retaining rules). although Mimi had assured me that the adverse “Written Off” listings would be removed on 23 November 2025, the correction was only partially completed, and the accounts continue to reflect active and in arrears, which is ******** and inconsistent with the National Credit Act (NCA) and Credit Bureau Regulations. I submitted the following documents to support my dispute 1. Experian report (09 November 2025) – showing all three Lewis accounts listed as “W – Bad Debt Written Off.” 2. my Experian report (23 November 2025) – showing these same accounts correctly updated to “Closed” after the 12-month retention period expired. 3. XDS/Splendi report (23 November 2025) – showing the accounts incorrectly displayed as active and in arrears, even though the written-off status had been app**** for an entire year. If this matter is not fully corrected within 5 business days, I will proceed with a formal complaint to, The National Credit Regulator and The Credit Ombud,
Helpful (0)
|Replies (0)TK
Thabang K
1 reviews | Active since Nov 2018
23 Nov 2025, 09:59
Formal Complaint Against XDS / Splendi for ******** Re-Aging and Incorrect Reporting of Written-Off Accounts (Lewis Stores)
Dear Sir/Madam, I hereby lodge a formal complaint in terms of Section 136 of the National Credit Act (NCA) and the Credit Bureau Regulations against XDS / Splendi for ******** and misleading reporting of three Lewis Stores accounts. This complaint includes an additional, serious breach: XDS displayed the same accounts simultaneously as “Written-Off” AND “Active/In Arrears,” which is factually and legally impossible under the NCA and CBA Data Code. 1. ACCOUNTS IN QUESTION Lewis Stores accounts listed on 22 November 2024 as: R33 118 – Written Off R15 072 – Written Off R29 609 – Written Off These were recorded as “W – Bad Debt Written Off” for 12 months. 2. RETENTION PERIOD EXPIRED ON 22 NOVEMBER 2025 In terms of Regulation 17(1) of the Credit Bureau Regulations: “Adverse information, including written-off listings, may only be retained for 12 months from the date of listing.”Thus: ✔ Legal expiry date: 22 November 2025 ✔ Written-off entries must be removed entirely ✔ Accounts must be marked Closed Other bureaus, including Experian, app**** this correctly. 3. SERIOUS LEGAL BREACH – DUAL STATUS (“DOUBLE REPORTING”) XDS / Splendi committed a major breach of NCA reporting standards by presenting the accounts as:This violates: ▪ NCA Section 70(2)(d) – data must be accurate and reflect the true legal status ▪ NCA Regulation 19(4) – credit bureaus must reject inconsistent data ▪ CBA Data Code of Conduct – final status codes cannot co-exist with active arrears ▪ Principle of Data Integrity under Section 68 A credit account cannot legally be BOTH:A “W – Written Off” status is a final, terminating status Once a creditor writes off a debt: 4. XDS THEN REMOVED THE “WRITTEN OFF” STATUS, BUT *******LY LEFT THE ACCOUNTS AS ACTIVE/IN ARREARS When the retention period expired: Experian correctly removed the adverse information and closed the accounts. XDS removed the “Written Off” flag BUT *******LY re-aged the debt and marked the accounts as Active & In Arrears. I have few points here: Bureaus may not revive expired written-off debt, Bureaus may not re-age closed accounts, Bureaus may not reflect arrears on terminated credit agreements, This behaviour is prohibited by NCA Section 71(2) – outdated information must be removed and CBA Final Status Code Rules – W (Written Off) cannot revert to Active, I now appear to have active arrears on accounts that should be closed. I request Immediate correction of my XDS/Splendi profile Remove all Lewis Stores entries entirely mark accounts as Closed (consistent with retaining rules). although Mimi had assured me that the adverse “Written Off” listings would be removed on 23 November 2025, the correction was only partially completed, and the accounts continue to reflect active and in arrears, which is ******** and inconsistent with the National Credit Act (NCA) and Credit Bureau Regulations. I submitted the following documents to support my dispute 1. Experian report (09 November 2025) – showing all three Lewis accounts listed as “W – Bad Debt Written Off.” 2. my Experian report (23 November 2025) – showing these same accounts correctly updated to “Closed” after the 12-month retention period expired. 3. XDS/Splendi report (23 November 2025) – showing the accounts incorrectly displayed as active and in arrears, even though the written-off status had been app**** for an entire year. If this matter is not fully corrected within 5 business days, I will proceed with a formal complaint to, The National Credit Regulator and The Credit Ombud,
0
Replies (0)MM
Melusi M
1 reviews | Active since Apr 2019
14 Oct 2025, 16:13
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: XD***5), 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.
Helpful (0)
|Replies (0)MM
Melusi M
1 reviews | Active since Apr 2019
14 Oct 2025, 16:13
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: XD***5), 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.
0
Replies (0)SN
Sivuyile N
1 reviews | Active since Apr 2021
21 Sept 2025, 04:57
Prescribed debts that are killing my profile
In terms of the Prescription Act 68 of 1969, this debt has prescribed and is no longer enforceable. Other registered credit bureaus, including TransUnion and VCCB, have already updated my profile accordingly. However, your records still reflect this debt inaccurately, which negatively affects my credit standing,these acounnts are Telkom who is more that 12 years 0ld , Letsatsi finance and Mpowa finance they all prescribed debts
Helpful (0)
|Replies (1)SN
Sivuyile N
1 reviews | Active since Apr 2021
21 Sept 2025, 04:57
Prescribed debts that are killing my profile
In terms of the Prescription Act 68 of 1969, this debt has prescribed and is no longer enforceable. Other registered credit bureaus, including TransUnion and VCCB, have already updated my profile accordingly. However, your records still reflect this debt inaccurately, which negatively affects my credit standing,these acounnts are Telkom who is more that 12 years 0ld , Letsatsi finance and Mpowa finance they all prescribed debts
0
Replies (1)