No debt but fnb app says high increase in debt and also at the same time low credit usage?? Lies lies lies

Pls explain to me how can the app credit rating say significant increase in debt ? if firstly i have no debt and secondly the app says low increase in debt over last preiod?? Makes no sense but they rare you according to there own lies??? Then fnb tells me to contact itc and surprise surprise i already did and transunion says sir no problems and no debt??? There is no problem sir!! Clearacore says i have good score! So question where do fnb gets there misleading infor from or are they just not doing there work and guessing?? How can the app keep saying high increase in debt for 10 months now when all i had is paid up?? I wonder how many fnb clients they incorrectly penalize?? Then the banker tells me there is no credit offers for me but i get weekly temporary loans offers? So again false !! I will keep complaining as long as it takes for fnb to stop lying on the app about there clients ratings exct!