I dont like Capitec with a passion

I had a Capitec Loan and went through a rough patch until my account was handed over to MBD Credit Solutions. A repayment arrangement was setup and I eventually settled the account in full in October 2017.

April 2018, I still cannot apply for a Home loan because every bank still picks up a Capitec Loan and they say its 21 months in arrears. Now my question is, when a lender sells its books to these collection companies, who's responsibility is it to update credit bureau when the account is settled? Lender or Collections company or the poor customer is left to figure this out themselves? I say this because I wanted a mobile contract and I struggled until my record was fixed with Transunion, now that I am applying for a bond, same capitec issue shows up with Compuscan. How many other credit bureau companies I need to check with? Should'nt Capitec resolve this?