Do you have access to your negative reason statements from a CMS? I'm curious to hear what they are in order.
I am having this identical issue. I can clearly see it is tied to my total loss on my GM Financial account, but there is nothing actually negative in the credit report. Experian and TU both show serious delinquincies, but nothing in the actual credit report. I was able to see these flagged as negative on myFICO, but there is nothing in there that should trigger that. If anyone has a solution, I desperately need one. I've been dealing with this for over a year.