Prescribed Accounts with Nedbank

I took out a personal loan and a credit card with them in April and May 2017,last payment for the accounts was in August of the same as I couldn’t keep up with the repayment plan, by September 2020 the accounts should have prescribed according to the prescription act, I lodged a dispute with the credit bureaus then only one came back with “credible “ evidence. Upon asking for that “credible evidence “ I was issued a letter reminding that the account is behind in 2018, this was for the credit card, as for the personal loan I was issued an application for default judgment which was done after the account has prescribed in November 2020 and 2021.

Can’t they just remove the accounts and update what is relevant to the bureaus, I am wrong to say this?