Experian credit scores cant be trusted and they should be banned from giving wrong info out.

Can someone tell me how is it possible that a company like Clearscore can be allowed to give credit scores when they have no idea what they are doing. I have finished a loan in August 2019 but it still gives me arrears and no diffrence in the amount from Last year in March. However what i have since discovered is that when you are placed on the credit bureau which ever one the vompany has to pay gor this but when its paid up they need to pay again as a company to remove your name and its here where millions of SA are being given the wrong credit scores. There is no regulator to check or verify this information. We are just being placed on the credit bureau and the rest is our problem. Then debt consolidaters phone you for accounts thats been paid up over 9 months ago. My question is this how can we as consumers be left to companies who give shady and awfull wrong info out about us. Now you gonna say you go with what ever into was given to you. Thats fine but you have no contact details or a way to question these wrong debs. The companies does not want to pay double to place and remove us from the bureaus. I have another account that was in arrears in Aug 2019 with R219 that can now accumulate to a million i wont pay a cent. These promises of your name will be cleared is BS. I have letters stating that it was paid up in Aug 2019 still month after month that same acc id the reason im receiving a low credit score.