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  1. **moderator: this is my first post and I don't think it's in the correct area. Please move as appropriate, thank you!** Hello all- I have a voluntary repo with Toyota Financial Services (TFS) from 2015 after a divorce. I'm getting ready to buy a home so I'm trying to get this baddie off my record. I was successful with my Equifax dispute, but not EX and TU. I have gone through the dispute process in addition to trying the "609" letters, but no luck with this acct. I recently sent TFS a "Repo Deficiency Letter" (I believe it's called) requesting that they provide all documentation to prove that the repo was handled in accordance with California law. The 14 day time allowance as noted in my Certified letter has passed and they have not responded. What would be the next step in the process? Do I send a letter to the CRAs with a copy of my letter to TFS to demand that it be deleted due to non-response from TFS? Overall, I have had great success in cleaning up my credit, but I feel like I'm running out of ideas. TFS reports this account as a charge off and deficient on a monthly basis, so it always looks like I'm past due when my last payment dated back to 2015. Any guidance would be highly appreciated!

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