If your agreement was clear as to its terms and you paid, you then had an enforceable contract.
No, they cannot unilaterally change its terms after you have met them.
While you could handle either by filing a dispute over their credit reporting or initiatiing legal action for breach of contract, I would recommend, for legal reasons, that you first file a dispute with the CRA, challenging the accuracy of their credit reporting. If they handle by verifying the accuracy of their reportng, you then develop both a breach of contract suit and the right to additionally add a violation of the FCRA by way of lack of reasonable investigation of your dispute.
I would, if they do verify in response to your dispute, recommend consulting an attorney in developing your legal action, as the basis for suit under the FCRA is technical.
|TCL: $306,100||Utilization: 6%||AAoA: 5yr 2m||Other: Lease, Loan, No Mtg.||Baddies: 0|