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Account status incorrect. Bought a vehicle in XXXX XXXX I was told I was only taking a loan out for {$16000.00} because I put XXXX XXXX down in cash. Was not told the actual interest amount which I found out later is nearly double the legal limit in Tennessee. In Tennessee on a used vehicle it can be no more than 12 %. They are violating usury laws. I let them know this and they have done everything they can to destroy my credit. They keep reporting false missed payments. All different amounts of money just so I have bad credit and can never refinance with someone else. I've had them threaten me to pay more. They have erroneously and illegally reported four missed payments in this month alone to multiple credit unions. Literally the last agent I spoke to told me every agent before him was