IDFC Bank — Flipkart pay later- CIBIL SCORE- MISSED PAYMENT

I have been an active user of Flipkart pay later for more than 3 years. I have not defaulted on any payments till now. Unfortunately, my credit score has been impacted showing a missed payment. When I checked the credit report, I came to know that an IDFC loan account is negatively impacting my credit score. When I checked the IDFC First bank loan account, It showed an overdue amount of 955 rupees. Also, I noticed that the due date of the loan is on the 1st of the month. But in the case of Flipkart pay later, the due date is on the 5th of every month. This is ridiculous. Even though I paid the EMI on pay later at the right time, I paid the overdue amount only because it is impacting my credit score. Even after that, the credit score is not improved and the history of missed payments is still seen on the credit report. This has led to the rejection of some bank loans. IDFC First bank and Flipkart are responsible for this situation. The way IDFC First bank is treating a loyal customer is the wor