BAD!!!

I have been doing my best to pay my car finance since ever I have started my car finance account, until I settle it, my problem now is that, according to credit bereau I have a default, because my account hasn't been updated since after September 2023, I don't know the reason behin this, and my credit scored dropped by almost 100 points because of MFC as part of this, I now have a default in my name for the account that I am not owing at all,

I kept on calling them, I have emails Nhlanhla and Thembi, non of them have gottent back to me, I have sent them emails, when I call MFC itself, they circle arount and keep on saying it's TransUnion's fault, and I did log a call with TransUnion, as they got back to me saying MFC advised that I haven't been paying the account, IS THIS SOME KINDA MANUPILATION OR WHAT? THIS IS REALLY AFFECTING MY PERSONAL LIFE NOW!!!, WHY WAS THIS NOT UPDATED? AFTER SEPTEMBER, the account was upadted from January 2023 until September then stopped WHY???

THE SETTLEMENT LETTER WAS EMAILED TO ME, BUT THAT'S NOT THE CASE!!!

THE CASE AND THE QUESTION IS, WHY MY ACCOUNT WAS NOT UPDATED AFTER SEPTEMBER 2023???