I had a car repoed in 2011..3 years went by and in 2014 they were awared a judgement of $4,793. Here's the problem I'm having i havent made an payment on this account since august of 2011 but the company is reporting i made an payment in June 2015(also Charging me with a hard credit inquiry in may 2016 when i didnt). Also they are switching the status of the account...From october 2012 to sept 2014 they report it as a charge off. Then from October 2014 to sept 2016 they change status to Repo.. Now from October 2016 to present they are marking the account as charge off...My question is this ethical to change the status of this account from repo to charge off to repo and is it legal for them to state i made a payment June 2015 when i didnt make that payment and a hard inquiry in may 2016 when i didnt apply for credit
