IMHO, it is the comments referring to "LOSS" or "EARLY termination."
I would have the lender revise the comments. Find someone in the right department with juice, i.e. supervisor level, and explain to them they were fully compensated, but yet their actions in entering those comments has resulted in legal harm to you by negatively affecting your credit score and ask them to revise them. Hopefully, you will find someone receptive to your issue.
If not, you may have to threaten to procure a consumer rights attorney to redress the injury you are sustaining plus attorney's fees and court costs. If this were to cause you financial harm, e.g. higher rate loan, you would have damages, so you may want to imply you intend to use your credit and this is going to cause you actual legal injury. (Without legal injury, you have no case.)
Last and weakest IMHO, you have the option of a dispute with the CRAs to remove the comment, but that may be tricky depending on the exact language, e.g., OP's said "early termination/insurance loss." Kinda hard to say that is inaccurate, although it is misleading, since he was not at fault and everyone was paid fully. Due to its misleading nature, it should be corrected.
GL2U! Please report back.
There was an insurance loss, but OP wasn't at fault, so I would say its misleading at best. Besides, thats what insurance is for right?
