XDS/Splendi retaining fabricated mortgage payment history — dismissed dispute twice — NCR and Information Regulator complaints active

XDS (via Splendi) is retaining inaccurate adverse payment history for Nedbank Mortgage Account 8002073672801, which was closed by High Court judgment (Case No. 10447/20, Western Cape) in 2020. The property was sold in execution and transferred 8 December 2025. No credit agreement exists. No instalments are due. XDS's profile shows:

December 2025: late payment marker — fabricated. Any credit in December 2025 was the Sheriff distributing court-ordered sale proceeds. Not a consumer payment. January 2026: write-off marker — fabricated. The R3,034,532 is a post-judgment shortfall. Not a new default. Not consumer payment conduct. Arrears R3,034,532 and instalment R34,334 — both imply an active credit agreement. None exists.

I lodged a formal dispute on 18 February 2026 (Ref: CDF-52731). Splendi first closed it incorrectly on 6 March 2026 saying "the account is closed on sold debt" — missing the point entirely. My complaint is about fabricated payment history, not account closure. When I re-engaged, Splendi offered a "20-day notice" investigation — a process for a different right under a different regulation. I declined, as my rights under section 70(2) NCA do not require XDS's permission or an internal investigation process to be exercised. XDS has still not removed the adverse markers. I have lodged NCR Form 29 complaints against XDS and Nedbank, and a POPIA complaint with the Information Regulator (Ref: POPIC20261106). Deadline for correction: 30 March 2026. No substantive response received.