Very bad, there is actually no word

I have a problem with MTN. Had an account that was done in 2021. I am still getting sms's from MTN to pay. Everything is cancelled, the contract and the Insurance. When I ask MTN about this they tell me it is the Insurance that is taking money. When I phoned the insurance they said that I do not have a contract with them. So the problem is with MTN and they cannot face up for there mistake. MTN has put me on clearscore as default on my account. I cannot believe that the people working there has no idea what they are doing. Someone there is messing up big time. So my alternative is to get a private investigator to investigate what is happening there so they can remove the default on my name, they leave me no choice.