Product: Vehicle loan or lease

Reference : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Phone ( XXXX ) XXXX ; and Messerili & Kramer PA, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone ( XXXX ) XXXX. 

I am filing this complaint against XXXX XXXX XXXX XXXX and Messerili & Kramer Because they violated my rights as a consumer and failed to respond on several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. They are engaging in plausible deniability of the following issues. 

I contacted them several times in regard the the non-ability of the XXXX XXXX ( XXXX ) to perform adequately on the rough roads of the mail route. Several time the vehicle went for repairs to keep it running which were not covered by the service contract I had purchased at the time of the sale. The out of Pocket costs ranged from {$500.00} to {$700.00} per month just to keep it operational. I informed the loan clerk of this problem and was told by this person to return the vehicle to the dealership which I did on XXXX XX/XX/XXXX. The dealership was confused and said that I only owed {$8000.00}, and that I should keep the vehicle and finish paying for it. I repeated the the finance clerk told me to return it to the dealer. 

I was informed by mail, that I was included in a class action lawsuit against XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and I was required to do nothing until the case was finished. That was when XXXX started placing information on my credit report and I had to confirm I was a creditable employee for the federal government with a responsible payment history for the past 10 years. The explanation was accepted with the condition that I would be in probation for 2 year in XXXX. I worked until XXXX end of season and retired. 

The finance company left the vehicle at the dealership for 8 months and never paid storage nor did they come to my property to retrieve it. I finally received a statement from XXXX in reference to the sale of the vehicle including transport fee, storage fees, and notice that they had sold the vehicle for {$7400.00} plus they received over {$2000.00} from the repair contract, which they canceled. This I owed the difference of the contract in its entirety to the end of contract including interest. When I Took the letter to the dealership, checkout not believe it. Their response was that they had received their money in full and I should not owe any additional money. 

I do not remember being served a summons to appear in court and did not attend due to no knowledge of it. Therefore, I was found in default. I did not have an opportunity to prescient my side of the case. XXXX counter sued on the class action and lost they were required to dissolve the negative credit reports and instead sent my case to a collection agency and have garnished by bank account for and additional {$1000.00} and are now trying to garnish my XXXX XXXX account for more. 

They have additionally have impacted my credit standing with my credit cards and have placed me in a difficult situation with my house payment as they took one house payment and I am currently trying to rectify getting back in good standing with my payments to stop foreclosure. 

In closing, I feel that have received more than the amount owed and would like to have this removed from my credit.