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XDS Dispute Procedure


In terms of the National Credit Act 34 of 2005, (NCA) every person has a right to access and challenge the information displayed in their XDS Credit report without charge to the consumer. If you have identified any inaccuracies pertaining to the information or data on your XDS Credit Report, we encourage you to take the following steps to raise a dispute and reach a resolution thereof.


Option One: Online

  1. Once you have logged in and viewed the inaccuracy in your report, click on the icon
  2. You will need to complete the Dispute Form, and upload required supporting documents
  3. Once you are done, click submit
  4. XDS Disputes will receive your completed dispute form and documents
  5. XDS Disputes will send you a SMS / email confirming receipt of your dispute together with a reference number for the Dispute if all documents are in order, or;
  6. XDS Disputes will send you a SMS / an email if additional documentation is required
  7. XDS Disputes will investigate your dispute and provide a resolution with 20 working days
  8. You will then receive a resolution letter together with an updated Credit Report
  9. If you are not satisfied with the outcome of the investigation, you may contact the Credit Ombud for further assistance. This is a free service. The contact details for the Credit Ombud are: 0861 66 28 37 or you may visit their website on www.creditombud.org.za to log a complaint.


Option Two: Call Centre 0860 937 000

  1. Should you identify any inaccuracies whilst you are on the phone with an XDS Agent, advise them that you would like to lodge a Dispute
  2. Should you identify any inaccuracies after you have received your XDS Credit Report, contact the XDS Call Centre on 0860 937 000 and advise the XDS Call Centre Agent that you would like to lodge a Dispute
  3. The XDS Call Centre Agent will send you a Dispute Form
  4. You will need to complete the Dispute Form, and attach any required supporting documents
  5. Once you are done you may, fax to 0866 225 565 or email to dispute@xds.co.za or via Post to : XDS, PO Box 30987, Braamfontein, 2017.
  6. XDS Disputes will receive your completed dispute form and documents
  7. XDS Disputes will send you a SMS / email confirming receipt of your dispute together with a reference number for the Dispute
  8. XDS Disputes will send you a SMS / an email if additional documentation is required
  9. XDS Disputes will investigate your dispute and provide a resolution with 20 working days
  10.  You will then receive a resolution letter together with an updated Credit Report
  11.  If you are not satisfied with the outcome of the investigation, you may contact the Credit Ombud for further assistance. This is a free service. The contact details for the Credit Ombud are: 0861 662 837 or you may visit their website on www.creditombud.org.za to log a complaint.

     

   

 

 

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Physical address
11-13 St. Andrews Street
Oakhurst Building
Parktown Johannesburg

Postal address
PO Box 30987
Braamfontein 2017

Tel:0860 937 000
Fax:0866 266 442
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