unfairly listing on ITC

Back in 2012 I experienced challenges of financial obligation however I have been paying amount requested and agreed with the institution (FNB) and since then I have kept my end of the bargain and so in May this year I contacted the FNB customer line to request them that they increase my monthly instalment in order to finish my balance quicker and still kept my end of the deal, and so this past week I checked my ITC report and I descovered that FNB listed me for default on the same date that I requested them to increase my premiums and so I contacted them on Friday and asked them why would they list me now only when i requested to increase my payment and why couldnt they list me 3 years back as this is utter nonsence and the lady I spoke to told me that its their policy.