MTN messed up my healthy credit record

MTN handed me over without notifying, this is after I have reached out to them that they haven’t debited my account and I even made some EFTs since they haven’t debited my account.Now I have adverse info on my profile. In South Africa, a creditor or debt collector must notify a consumer before handing their information over to a credit bureau. The National Credit Act (NCA) and the Protection of Personal Information Act (POPIA) regulate this process. Under these laws, consumers have the right to be informed about their credit information being shared and must be given notice of any default or intention to list them with a credit burea