False information used to refuse us applying for home loan

We decided voluntarily to undergo debt counselling for 3 years to settle debts and start afresh. It's been almost a full year since we paid off everything and received full clearance. Yet applying for a home loan a year later, Standard Bank refuses us and says one of us is under debt review. NO we are not. We have full clearance and clearance certificates. Why do you lie and have this false information used against us, Standard Bank??