I had a car loan through XXXX XXXX XXXX ( XXXX ). In XXXX 2011, we had a major hail storm hit our area and car was totaled out by my insurance company. XXXX still has on credit reports that I owe $ 3k. I have sent over a copy of the check from my insurance company along with where they released the title. Credit report states they still say I owe the debt, but sent no proof. I finally talked to someone at XXXX and they were like a " loan shark '' if I pay a certain amount they will take it off. I said " NO '' send me proof I owe it and he would n't. They stated maybe it was from late fees, I asked them why they would let $ 3k it late fees rack up with out repossessing, then they changed it to maybe it was when I XXXX got the car and two days later it broke down and they helped me get it fixed, I advised them that that service was offered to me and no one said I had to pay that back and please send me proof of where they paid that amount to XXXX XXXX XXXX, and he said he did n't have it. I would like this removed from my credit report ( all XXXX agencies ) since they are not willing to provide any valid proof that I owe this debit. Please let me know if you need any further information.