WHY SHOULD A CUSTOMER BE PENALIZED FOR AN ARREAR ACCOUNT THAT WAS PAID IN FUL

I honestly believe that this company should be buried if they can not provide consumers with a most recent and updated record of an individuals profile. I had a payment arrangement with VW finance for 3 months to pay half of my installments last year 2020 as I was retrenched and the country was under lock down with Covid. to my surprise I was listed on ITC for 3 months, nevertheless I paid the arrears of 3 months into VW finance account. I requested for my profile to be undated as I'm applying for credit and this incorrect report and scoring is making my application to be a decline. I have sent emails requesting for this to be updated and to date i had no luck. I personally feel this is against a customers right to be penalized on her credit score till the account is paid in full and listed as a misconduct. I want this sorted out ASAP as its going to effect me daily and this is BULL****.