I had voluntarily returned a vehicle to XXXX XXXX in XXXX of XX/XX/XXXX. I could not continue to pay for the car and all of the repairs. I was sold this vehicle with a " warranty '' that added thousand s of dollars to the price of the car, but it covered nothing. They are reporting it as if I returned the car in XXXX of XX/XX/XXXX so now my credit is shot. I had built my credit up, but now it looks like I recently had a repossession. They are also reporting an incorrect balance. The terms of the loan are not correctly reported as well. When I call them I am on hold indefinitely. They dumped 6 months of negative reporting on my credit at XXXX time. Their information was not on my report until XXXX XXXX. I was scammed and hurt by them XXXX, now I am going through this again with my credit score dropping XXXX points.