Frustrated with the service

I have a loan and credit card with African bank. I pay by debit order every month and they have been receiving the installments as agreed. My problem is that they send me statements reflecting arrear amounts, when I call to inquire where the arrears come from, they tell me the system is not reflecting any arrears my account is up to date and yet the arrears they reflect on the statements is what they send to the credit bureau and it's affecting my credit record and I cannot get credit because of that.<br> I do not know what is happening with their system, they send statements that do not match with the information on their system and I have called them to resolve this but it still continues. In December they even took the extra amount they claimed I'm in arrears with, even though I had called them and I was told that there are no arrears reflecting on my account. This is really frustrating because it is affecting my plans!!!