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

BMW Financial Services XXXX XXXX XXXX XXXX, OH XXXX This organization has been reporting every year that I owe them {$18000.00} for the last four years.

Below there is the BMW dealers response to the XXXX XXXX XXXX   inquiry on my behalf that explains more detail. I purchased a used car from BMW and had immediate problems with it, so I returned to the dealer shortly after purchase. 
I gave them a {$2500.00} down payment for this car and returned the car weeks after purchase.. 
They gave me no credit for the returned car and have been reporting to the credit agencies that I owe the total original sales price less the {$2500.00} down payment. 
I only realize they were generating this false and damaging information recently. 
XXXX approached them and they refused to change the false information. 
I have tried many times to get them to change their reporting information, but they refuse to do that or even respond to me. 

The following is a recent letter authored by me to the XXXX XXXX XXXX : The dealer made the financial arrangements with BMW Financial Services for me and for that I am sure they benefited.

Therefore, I believe they should contact BMW Financial Services and clear this matter up. 
XXXX has contacted BMW Financial Services on my behalf to no avail.

The letter below corroborates that fact that I returned the car as I originally stated.

XXXX  " Disputed my claim directly with BMW Financial Services and the " Dispute Results '' Report from XXXX # XXXX dated XX/XX/XXXX showed that BMW Financial Services would not correct their reporting information to the credit services. 
This false data being reported has been damaging my credit rating for four years.

It is apparent that the BMW dealer ( as stated in letter below ) can verify that BMW Financial Services received the car back from me. 
The letter below from the BMW dealer advises me to contact BMW Financial Services to correct the information. But to reiterate I already failed to get any results from BMW Financial Services via XXXX or through my personal efforts. 

XX/XX/XXXX Forward Business response to Consumer XX/XX/XXXX Receive Business Response XXXX XXXX XXXX Case # XXXX The following is a letter is from the BMW dealer to the Better Business Bureau confirming that I returned the car to the dealer and that BMW Financial Services received the car from the BMW dealer.// Mr. XXXX bought a XXXX XXXX XXXX on XX/XX/XXXX with XXXX miles on the vehicle. The vehicle was financed with BMW FINANCIAL SERVICES. The vehicle was in for service on XX/XX/XXXX and client stated vehicle would not start, the vehicle was repaired and returned to Mr. XXXX. The vehicle was in for service on XX/XX/XXXX for a complete detail and was returned. The vehicle was in for service on XX/XX/XXXX for services under the BMW maintenance agreement and an air conditioning concern and the vehicle was repaired and returned. The vehicle was dropped off in our service department by Mr. XXXX on XX/XX/XXXX for a malfunction light, the customer declined to have the vehicle repaired. On that same day XX/XX/XXXX Mr. XXXX sent us an email that stated the car was in for service and he did not plan on picking up the vehicle again. At some point he may have contacted BMW FINANCIAL SERVICES and stated he was not picking up the car, the vehicle was picked up by BMW FINANCIAL SERVICES on XX/XX/XXXX. He will have to discuss the balance on his credit report with BMW FINANCIAL SERVICES at XXXX XX/XX/XXXX Notify Business of Dispute