FNB are **********

I had an FNB personal loan about 11 years ago. I was unable to pay the account and it went into arrears and then eventually got written off as bad debt. After 5 years it got removed from my credit report. I tried to apply for a house 2 months ago and I got declined due to my credit. When I checked my credit report it showed the FNB personal loan account back on my credit and shows payments were made in February 2021, January 2021, and a few months last year. These are all ********** payments as I have not made any payments. This FNB personal loan is now on my credit and I am left with out a house as I got declined to rent a house due to the FNB loan reflecting after 10 years.