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  1. I took an auto loan in 2014 and have been making monthly payments to the auto loan financing company for over 2 years. In February 2016 I discovered that the financing company has NEVER reported the payments to the 3 CRAs - Experian, TransUnion, and Equifax. I made several calls and they initially denied my findings, but after sending them proof of reports from 2 CSRs they acknowledged that they had never reported any of my payments to the 3 CSRs. In April I wrote them a letter requesting that they " correct what appears to be a mistake" or else I would file a claim against the company for violation of the Fair Credit Reporting Act, including entitled to recover statutory damages, as well as any actual damages sustained as a result of diminished credit score. They have done nothing to correct this issue I'd like to file a claim against this company but I have not been able to find anything on where to file. The FCRA website doesn't have it there as well. Of course the most obvious route is to get an attorney but at this point I do not have the finances to pay for one. Does anyone know how else I can report this to the proper authorites? **PS - I blame myself for not keeping track of my credit. I have a lot of medical bills incurred since 2012 resulting in a damaged credit score Regards, langaclarry