Catrack are ****mers

I had a 3 years contract with cartrack from February 2020 to February 2023, which expired. I was made aware in January 2024. My account was still being debited after my contract expired and I wasn't contacted to confirm if I wanted to continue on a month to month. So apparently they say the contract renews itself month to month until I cancel the contract that expired over a year ago. Now they want this to have a negative record on credit profile because I want out of contract that expired in February 2023. How long must my account be debited for cartrack to be satisfied?