Refunding of debits and incorrect ITC credit bureau

My home loan account was settled with the bank at the end of April 2025 and it was agreed with their consultant the account would be closed as per their policy and I opted to continue with structural insurance policy. The bank debited funds from my account until the end of September 2025 until they ultimately informed me that the insurance policy was no longer valid. I pleaded with the bank to refund me the funds that they have debited for the insurance policy since they confirmed that the account was closed in April 2025 when the home loan was settled. Furthermore, the bank has affected my credit score by claiming I defaulted with the payments therefore I insist that they rectify that statement as soon as possible owing to the fact that I have no debt against the bank. This is reflecting badly on my profile, and the bank has no factual reasoning for tarnishing my record. I am so disappointed even to the fact that they do not expedite the complaints that I made to them.