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

XX/XX/XXXX I surrendered the lease of ending VIN # : XXXX, a XXXX XXXX XXXX XXXX, to XXXX XXXX in XXXX XXXX, OH. 

Instead of returning the vehicle for auction or wholesale, XXXX XXXX kept the vehicle and resold it on their lot in XXXX XXXX, OH. 

XX/XX/XXXX, I received a final invoice from XXXX XXXX XXXX stating that I owed for an early lease termination, in the amount of {$3500.00}. According to section 14 ( c ) of the executed lease agreement signed on XX/XX/XXXX, I have the right to dispute the realized value of the vehicle. 

XX/XX/XXXX, I mailed a letter to XXXX XXXX XXXX, disputing the realized value, sales fee, and adjusted lease balance. Based on my calculations and evidence from XXXX, XXXX, and XXXX, I proved that the balanced owed was {$320.00}. 

XXXX XXXX XXXX never responded to my letter, nor advised how they would go about fulfilling their requirements of section 14 ( c ) of their lease agreement. 

XX/XX/XXXX, a representative named XXXX, called me from the XXXX XXXX XXXX department, requesting payment of the {$3500.00}. I explained to her that I had disputed the balanced claimed to be owed, and I was waiting on a written response. XXXX advised me to email the letter to her department again, and they would respond. I emailed the XX/XX/XXXX letter to : XXXX, per the representative XXXX. 

XX/XX/XXXX, I received another phone call from the lease maturity department. I again requested a written response to my XX/XX/XXXX letter, detailing the calculations of my alleged balance due, per the lease agreement. I sent another email to : XXXX. 

XX/XX/XXXX, I sent a 3rd email to : XXXX, again requesting a written response to my XX/XX/XXXX letter, detailing the calculations of my alleged balance due, per the lease agreement XX/XX/XXXX, I mailed a 2nd letter to XXXX XXXX XXXX, again disputing the balance they claimed I owed, based on my XX/XX/XXXX calculations. Based on my calculations, I enclosed ck # :XXXX for {$320.00} made out to XXXX XXXX XXXX, with the memo notation " early lease termination '', and in the letter I stated this check " fully satisfies my debt to XXXX XXXX XXXX in regards to account ... ''. 

Again, XXXX XXXX XXXX didn't respond to my 2nd letter nor any of the 3 emails, however, they cashed my check for {$320.00}, on XX/XX/XXXX. 

XX/XX/XXXX, I emailed XXXX XXXX XXXX at : XXXX, disputing the balanced owed and the reporting of late payment to XXXX  and XXXX. Since I expressly stated that the check for {$320.00} was to fully satisfy my lease with them, and they hadn't provided any proof otherwise, I requested to have the negative history deleted and the account reported with {$0.00} balance. 

XX/XX/XXXX, I emailed XXXX XXXX XXXX at : XXXX, again disputing the balanced owed and the reporting of late payment to all credit bureaus. As a result of their negative reporting my credit score had dropped 120 points at that time. Prior to this negative reporting, I have never had any negative reporting in my life on any of my credit bureaus. I requested to have the negative history deleted and the account reported with {$0.00} balance, since they knowingly cashed the check for {$320.00} to satisfy my lease. 

XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX, claiming to be willing to settle the balance for {$2600.00}. However, I didn't owe anything! 

XX/XX/XXXX, another letter was mailed to XXXX XXXX XXXX disputing ANY balance being owed and the negative credit that continued to be reported erroneously. 

XX/XX/XXXX, the same XX/XX/XXXX letter was faxed to : XXXX, as listed on their collection letter. 

XX/XX/XXXX, I received a new collection letter from XXXX XXXX XXXX XXXX XXXX on the behalf of " XXXX XXXX XXXX XXXX '' demanding the payment of {$3200.00}. 

XX/XX/XXXX, the same XX/XX/XXXX letter was faxed to : XXXX, as listed on their collection letter. 

XX/XX/XXXX, a letter was mailed to XXXX XXXX XXXX XXXX XXXX, demanding that they " cease and desist '' all collection efforts on this matter until my disputes are resolved. 

XXXX XXXX XXXX has yet to provide any supporting documentation to prove that I owe anything further than the {$320.00} that was paid to them on XX/XX/XXXX, and they accepted payment on XX/XX/XXXX.