Loan dispute that has been listed 8 years in my credit report

I took 2 loans with FNB In July 2012, 2013 October i consolidated. 2016 3 years later I got a call that I owe them. I paid them from 2016 Feb then October I got an advice that I must go to transunion and check when the loan was taken. The first report dated 2016/09/20 staed that I took the loan 2015/08/17 and the opening balance is 65.740 and also have a 20.000 loan.

The report dated 2017/05/03 stated that the 65.740 the balance when from 65.740 to 41.026. I complained to FNB from 2016 to date and the last time I paid that loan was 26/07/2020. I confronted FNB about the unfair the whole process was because they said to me the money that was supposed to consolidate my accounts were missing and was located to the rong account the one I was given to by FNB stuff. When i told FNB that how can my account be handed over without any proper communication, no letter from 2013, to email, no phone and not even 1 of those have changed. Then they decided to send me a letter in 2016/12/02 that was the first communication since the consolidation. So was it fare to be handed over without my knowledge?

2017 I was admitted at vista and FNB was one of the issues that I ended in hospital. I need a legal advice because FNB went and updated my report again in 2019 and this matter has been dragging for 8 years. Now am crying for help, my kids don't have a hope because FNB decided to be a blockage to my entire life kindly advice.

Today I called FNB they still say I have 2 loans. I wouldn't also seek a legal advice I have all the documents and emails to back my story.