Consumer complaint received 2018-07-29
Company: General Motors Financial Company, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First my credit report said I had a ( personal ) account not co-account for a leased auto from XXXX which was actually my wifes car which I signed on with her it stated that I owed {$1000.00} this was incorrect neither I nor my wife owed that amount she had since leased another auto and closed that account out I filed a dispute and was told one department didnt report to the other. Has since been removed. After which my score dropped on XXXX report. In XX/XX/XXXX my personal auto loan which I got in XX/XX/XXXX time was up and I hadnt paid it off yet due to hardships I filed bankruptcy and did not include the vehicle as I wanted to pay it off so I kept it as a reaffirmation of debt, at the time my loan was to be paid off ( ie the loan term had ended ) XXXX contacted me and offered to allow me to lower my payments so that I could pay auto loan off but befor I could do this I had to pay late fees on original account of {$170.00} they sent me forms to fill out and pay the late fees, which I paid because I couldnt enter the new agreement til old late fees were paid off I had to have the documents notarized which I did and sent them back, in XX/XX/XXXX I paid off balance of loan in the amount of {$280.00} suddenly the late fee turns up again I called them in dispute and was told it would be resolved, my XXXX   report corrected it and showed no auto loans they were paid off but my XXXX report stated that I still owed {$170.00} it also stated that a remark had been added to my report between ( XX/XX/XXXX and XX/XX/XXXX ) that there was a reaffirmation of debt which caused my score to drop .there was inXX/XX/XXXX a reaffirmation of debt when I and my wife filed a bankruptcy but this was already on my report it seems it was added again which is unjustified since the loan has been paid off my XXXX score went from XXXX to XXXX something so when it was resolved with them it went back to XXXX which I see as unfair considering it was higher that that befor mistakes now my XXXX has fell from 570 something to XXXX because of similar problems with XXXX reports. I donot owe them anymore they agreed when I spoke with them over the phone yet it still remains on my XXXX report they said theyre sending me documents which will show everything was paid off and that it was my responsibility to send them to credit agencys to correct but I have not received them I think since they admitted they were in err they should along with XXXX do something to restore my credit to where it was befor the ( ( mistakes ) ) and then adjust it as though there wasnt any ie raise it from where it was not from where it is after mistakes I can only assume that my XXXX scores are where they are because of XXXX reporting it still remains open even though its been paid off please resolve these issues so I can continue forward as you can see in the attachments XXXX has corrected the {$170.00} and no open auto accounts yet XXXX has not due to reporting from XXXX

Company response to consumer: Closed with non-monetary relief