Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation from complaint # XXXX. My original question was never answered. How did my loan charge off only after 60-90 days of delinquency? Typically it takes 180 days of non payment for a loan to charge off. I also never received a final demand letter? This loan should not have ever c/o after just 2-3 missed payments. Sometime in XX/XX/XXXX I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on XXXX XXXX XXXX because they were the only ones who offered a payment plan. I first had my load processed with XXXX XXXX, and my payments started on XX/XX/XXXX. The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forward 2-3 years as well. The first problem arises on my  CBR, showing a debt of over 20k, which is incorrect. My loan was only for XXXX. I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter. After 4-5 months, XXXX transferred or sold this loan to BB & T,  who claim I missed 3 payments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o after 180 days of delinquency? This loan only shows 3 missed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showing XX/XX/XXXX. I have been trying to get this issue resolved for almost 2 years. I have n't received a bill in nearly 3 years, and in the past it had been nearly impossible for representatives for BB & T to locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from BB & T until recently I began getting calls again, and the loan is showing delinquent on my CBR again. The loan has not been sold to a 3rd party, its still with BB & T and when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months. I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in nearly 3 years, and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on BB & Ts part, along with incorrect CBR reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between XXXX amount and BB & T ) and where it shows I only missed 3 payments, then the loan C/O.