Canadian Tire Triangle Mastercard Credit Card Reviews

I had a credit card through CT Bank that opened it in 2018. They closed it without my knowledge in 2020 because apparently, I missed 3 months in a row of small payments which was NOT the case. Fast forward to today I went and looked at my credit score to find it dropped significantly due to CTB when they closed my account it says bad debt write off and no one ever contacted me to collect in 2 years. CTB reopened the account and sent it to their bank/collections and reported it on my credit as an individual problem now and it doesn't show now that it was a bad debt write off and closed it shows it is "in collections" and to boot when they closed the account it says amount past due $0 and now it says $1850!!! The report days are within a few days when I printed off the documents to send to trans union to report fraud.
DO NOT ever deal with Canadian Tire Bank. Even when I called they said they are allowed to do this and I was told and shown by my lawyer they are NOT. Bad debt write-off means they wrote it off and no attempts to collect and now 2 years later they are trying to collect and adding interest screwing up people's credit for what purpose?