My rights as a consumer violated

Good day,

This message is coming from pure disappointment in a manner that Rainbow Finance CHS Debt Collectors have treated me a consumer.

My account house ad home account was handed over to CHS debt collector for missing payments on my the 36 months account, which i opened in 2020, which 3 of those payments.

The 4th payment which i listed under my name, was due to have been made cash when i initially opened the account, as i was just informed by this rude lady Aida Hall a short while ago.

I am listed as a bad payer on the credit bureau because of the incompetencies of the sales person who helped me to open this account over 2 and half years ago, for failing infirm as consumer that i was supposed to make my 1st installed in cash on the goods i bought at house and home in festival mall

May i kindly request that this matter be handled and resolved as soon as possible, so that my rights as consumer can restored can be restored, which is the ability to make or apply credit with this house and home default under my name.