MESSING WITH MY LIFE!!!!!!!

DMC goes to my credit profile and add a debt that they bought from Sanlam, that they have not called me to make arrangements for payments . A debt that Sanlam has not even REMOVED now my credit score has dropped by 28 points because I have the two amounts added up as a total of my credit cards but I only had one credit card. Do you guys understand that credit scores are a major part of our lives, you mess it up, you are shutting doors for me that I need opened to move up in life