Citifinancial/Santander repo reporting question

[canipleasegetabove750]

I was hoping someone could help me. I have a car loan that I purchased in 2006 and financial through citifinancial. I voluntarily surrendered the car in 4/2010. At some point between surrendering the car and the car selling at aution, Santander took over for citifinancial. They are reporting on the cra's every month. I know that I am responsible for the left over balance. It is showing at around 10k left over. My question is, they have been reporting 90+ days late since 2010. Here is what my reports show.....any ideas if this is correct?

 

 

Experian

Status as of: 10/2013

Date opened: 7/2006

Date of last activity: not available

balance: 10,979

current status: unpaid balance reported as a loss by credit grantor

past due amount: 10,979

 

30 day late: 1 time

60 day late: 1 time

90 day late: 25 times (Sept 2011 through Oct 2013)

 

Transunion:

Status as of: 9/2013

Date opened: 7/2006

Date of last activity: 9/2011

Date closed: 3/2010

balance: 10,979

current status: charged off as bad debt

past due amount: 10,979

 

30 day late: 0 times

60 day late: 0 times

90 day late: 0 times

 

Equifax:

 

Status as of: 3/13

Date opened: 7/2006

Date of last activity: 2/2010

balance: 10,979

current status: bad debt/collection

past due amount: 10,573

 

30 day late: 1 times 2/2010

60 day late: 1 times 3/2010

90 day late: 1 times 4/2010

 

 

 

This is why i am so confused.....they are all reporting something different. Does this give me reason for disputing particulars? I have read through whychats repo letter's, but I am not sure if i received anything from them or not. I could have, but at the time, I had 3 family deaths happen and I was in quite a fog. Not an excuse, but it is what it is. Hoping someone could shed some light. It seems with whychat's method, you can start disputing if it has been 2 years and you are sure you didn't receive the paperwork. The thing is, I'm not sure either way. Ugh....wish i remembered more during that time.

 

Thanks for reading and anything you can help to add.