paid up account

i have settled my rcs loan in September 2013, and received a paid up letter, however it shows as arrears on itc and this is effecting my credit profile.<br> <br> who's responsibility is it to update with itc that accounts have been closed and paid up.due to RCS not informing ITC that my account was paid up in full at the end of my loan period and closed i am now having problems at the bank.<br> <br> i paid up my loan as per the agreed terms, is this supposed to happen when your loan is paid up in full within the agreed terms.<br> <br> this was my first loan that i had ever taken and i am really not impressed that almost 3 years later its haunting my credit score. i have contacted rcs many times informing them that my profile shows im in arrears all they do is keep sending me paid up letters. it is now going to take 20 days for itc to remove this account from my name of which i had to contact them to do.<br>