In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX XXXX, XXXX, I was declared permanently XXXX XXXX XXXX XXXX XXXX of XXXX, and medically-mandated to stop working permanently. This meant I would no longer receive a paycheck, thus could no longer afford financial obligations I could afford while working. I contacted my creditors, including XXXX XXXX. I advised XXXX that with I must Voluntarily Surrender my vehicle. With no salary, I could no longer continue my approximately $ XXXX auto payments. I carefully and diplomatically arranged a time and place to return the vehicle, and had it Voluntarily Surrendered at a designated XXXX dealership. Not until XXXX XXXX, XXXX, when I tried to rent an apartment, did I learn that XXXX XXXX had reported this Voluntary Surrender as something else - a Repossession - to XXXX, Experian and XXXX. I called XXXX XXXX and was told by an agent that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. This inaccurate reporting by XXXX of a " Repo '' of the XXXX XXXX violates The Fair Credit Reporting Act. ( Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). Firstly, they are not the same in any circumstance. I had no ill intent, and most strongly, I had no choice, as XXXX and the inability to work were not my choices. I believe XXXX 's irresponsible wording may amount to XXXX Discrimination, as were the harassing phone calls, " It 's not XXXX 's fault you 're sick! '' and XXXX 's law suit against me. Because of this misreporting, my credit score dropped from its usual XXXX to a ( last-heard ) XXXX. I subsist on XXXX XXXX income, which is protected from garnishment. I have been unable to rent an apartment and have been homeless since XXXX XXXX, XXXX. I have no documents available to me to attach, as my belongings are in storage. I would invite XXXX to show any evidence whatsoever of a " Repo ''.