Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Automotive Management Services, Inc. (NC)

In XX/XX/XXXX, I voluntarily handed my car back into the lender, XXXX XXXX. This was around the time I was learning more about interest and, even though I had the car for about a year or so, I learned that my interest rate was 17 % and I would be upside down on that loan for a long time. I had no issues paying the car note, I only voluntarily gave the car back because I could not get from under that loan, and the car was not in top condition. The lender, XXXX XXXX  reported the car as a voluntary repossession that next month, and continued to report that for the next few years. I was not aware of this until XXXX, upon applying for a mortgage loan. I did, however, dispute with XXXX XXXX in XX/XX/XXXX. I learned that once the car is taken back to the lender, voluntarily or involuntarily, the lender has the chance to sell the car to regain debt. I called XX/XX/XXXX and spoke with a member from account services. I was told that the car had been sold and my balance at the time was {$100.00}. I was willing to pay the {$100.00} to clear the debt on my credit. I informed the account specialist I would pay the debt in person. Upon trying to pay the debt, I learned that they were not willing to take my payment, nor correct the inaccuracy on my credit report. The balance in XXXX still reflected the same amount it was in XXXX. I personally wrote the owner of the company, XXXX XXXX, to dispute this inaccuracy. They did not fix the inaccuracy but yet continued to report through XXXX, the voluntary repossession. As the mortgage lender is explaining this to me in XXXX of XXXX, I could only think to myself how I tried to fix this inaccuracy almost 2 years ago and it is not only still producing an issue, but causing hardship to my XXXX credit report. 

I did dispute this inaccuracy to XXXX and XXXX, both of which removed the inaccuracy in XX/XX/XXXX. XXXX did not remove the inaccuracy. I recently disputed the inaccuracy the day after I was informed, on XX/XX/XXXX. I sent the corresponding emails showing where I reached out to the company in XX/XX/XXXX to dispute the balance inaccuracy, being that the car was resold. The balance as of today, still does not reflect what the balance was at the time the car was sold. XXXX updated the results of the dispute of XX/XX/XXXX after it has been received via certified mail XX/XX/XXXX. I was not informed by email that the dispute has been updated. I am also not aware of the results or have been shown proof that the inaccuracy has been verified. I have logged online and searched everywhere to find the dispute results, and as of XX/XX/XXXX, I have still not been informed of the results. Only that the dispute is complete. Furthermore, I tried to call XXXX. I had to press 0 for an operator. They asked me to verify my social and my address then told me they could not connect me with an agent. I want to know who and how they verified this information being that I know it's inaccurate. I would like this matter to be further investigated and for this account to be deleted from my XXXX credit report. I would also like XXXX XXXX to be further investigated as well. They have quite the reputation, and their XXXX reviews further support that. 

Thank you for your assistance on this matter.