That is exactly what I am going through! And they are the worst to deal with on the phone. My account was charged off after losing my job. I was fired wrongfully and was able to get a small employment settlement (a year later). They were the first I called after the check cleared the bank. I was able to pay all the past due payments and fees and bring my account current. They never took possession of the car. It was a five year loan at a 25% interest rate. I had a good payment history for three and a half years of on time payments. There is only six months left now on the loan maturity date. They refuse to post anything positive now on this account. Its showing as a closed account on all three reports. They tell me they will never report my one time payments but only show the balance decrease. My account was re-opened but they will never report that. I have a current dispute with all three agencies. I have submitted documentation showing my account is active and in good standing. I submitted documentation that I am making the regular installment payments per the original loan agreement. I get monthly statements showing a loan maturity date of 11/8/2018. But when I asked them if through the investigations of the disputes if they will confirm my account is 'open' she flat out told me 'no'.
I have also contacted the attorney general of ohio and made a complaint wth the CFPB. A 25% interest rate is bad and punishing enough. I think they can at least provide accurate information to the bureaus.
