Credit Listed With Experian\ Credit Bureau After Paying Up And Closing the Credit Card

I paid up and closed the credit card with Standard Bank which i was issued with a Paid Up Letter in 2016. On the 15th of January 2018 i went to apply for a Home Loan & a cellphone Contracts which were both declined due to "arrears". I made an inquiry with Experian which confirmed that Standard Bank credit listed me for the un-paid Credit Card which i closed in 2016. The credit report on Experian shows the balance of R16,720, the overdue amount of R1,462 with the installment of R501,00 and the last payment being in 28 April 2016.

This type of incompetency from Standard Bank cost me so much I have lost out on the opportunity to purchase a house because no bank could finance me due to "arrears" on the closed Credit Card. Experian informed me that it is only Standard Bank that can send them the instruction to clear that bad credit score. This is such a bad experience and i regret the date i associated myself with Standard Bank.

I have since sought legal advice from my attorneys on the possible legal action to be taken to compensate for the loss suffered as a result of Standard Bank's incompetency. I won't let this go away as a mere apology won't make matters go away.

Since when is closing a credit card a sin or a ******** offence punishable my credit listing?