At the time that a car company repossessed my car they said I was 5 payments behind. We were dealing with a family member who had cancer and just couldnt deal with any more than that. We have since gone back and found that we were actually one payment ahead and have proven where they did not give us credit for the payments made. In the mean time they trashed our credit and continue to report it as a write off. What about the fair credit reporting act and what do I do since it has been several years?