Standard Bank and the Credit Information Amnesty

I have been a costumer of Standard Bank. <br> <br> I paid up my Standard Bank Revolving Credit and my Standard Bank Garage Card. <br> I have paid up letters for both. <br> <br> Both still show on my ITC Credit report that I owe them money, meaning the outstanding amount is NOT R0.00 <br> <br> What does the Credit Information Amnesty Act or Law help, if they chose to just ignore it. <br> <br> They were both paid up in 2014 already.<br> <br> This now effects my credit as I app**** for credit and got turned down because of this. <br> <br> Why I am, the consumer who paid up all, penalized for their incompetency?