Unfair credit listing

I made a settlement arrangement with HP Attorneys settled my FNB loan. I settled my the account with the amount agreed with HP Attorneys. Now we are waiting for FNB to close the account But this is not happening. My Account has been updated on my Credit profile stil has an opening balance of R273. I called HP according to the account is paid up and nothing should be paid further. But now because of the balance my account is reflecting as unpaid on my credit report and putting me in a negative. Why must we consumers be treated like this. We trying to the right thing but yet But yet creditors just want hold us back.