Complaint Review: monteray finacial

we bought a dog through a company called wags. gave them access to our account for monthly payments. one year later noticed that a company called monteray finacial was withdrawing money every month. not recognizing the name i contacted my bank for asstance. they took back all the payments for the year till we could find out who they were. when we did the bank repaid the money. because i did this, Monteray finacial put me in the credit bureau sayiny account closed No ballance owed but one missed payment. so I filed a dispute with transunion. when i did they then revised the info to three missed payments and sold the account to another collestion co called south western investment group who were told a lie by Monteray that the ballance is more than the original loan. I can get no help in this matter even though my bank has proof that it was paid and i have the bank statements  HELP