Handover removal

In 2019 I found out I was handed over to MBD Attorneys by Capitec Bank for a loan that was taken out in 2015 I was never informed and no knowledge about it, When the agent at the branch gave me the information to find out about the handover of my account, I got the information from MBD Attorneys that this loan was prescribed in 2019, I contacted Transunion and Experian and there is no notification on my profile of any Capitec loan being active it's showing closed. I got the letter from MBD Attorneys stating that I do not owe anything I would like Capitec to remove the handover status on my bank account at Capitec. How can I be held liable for something that I had no knowledge about and for the fact that I got all the information that this must be removed from my account. My question is I opened my account at Capitec in 2015 and still using the same account to date why could I not be traced, we have to update your FICA as per the correspondence from all the Banks. " According to FICA, banks must regularly test and make sure they have the right client information." All Capitec Bank clients undergo a FICA identification process. However, you may get requests from us to update your identity and address details from time to time." I would like the handover status removed please.