Standard Bank Personal Revolving Loan - Unsettled/Non-Existent Credit Profile

Kindly note that I have settled my revolving personal loan with standard bank in January 2023. Only to find that Standard Bank is now sending various legal organisations to collect funds that I do not know of nor have I ever used.

The part I am more concerned and angry about is that the credit profile does not exist on my mobile app or internet banking; and when I call the bank, the service is **********. They also informed me that I should either come to the branch to request a settlement letter or contact the third-party legal teams to settle the account.

1. There is no amount to settle on *** as I settled it on 25 January 2023. 2. I need a settlement letter as I have proof that I paid the settled amount using FNB last year, 25 January 2023. 3. They inform me that I should have called to close the account. My question is: How do I have accrued interest or any funds when I have not been using the account; and most importantly, that it doesn't exist on my credit profile.

I honestly will be taking legal action against Standard Bank due to this account now, placing my name as unpaid on credit bureau (Trans Union); and most importantly, for the unprofessionalism of their bank staff. How does the personal loan department send to the collections department; then the same collections department send you to their third-party for the same account that supposedly does no longer exist on their system and yet, my name continues to fall under missed payments; and runs the risks of a bad name.