<prompt> Human: As the title states, my car was repoed without a notification from Toyota financial services and I was not notified of any late payments let alone a repo. I was enrolled in auto payments so I thought I was good. I paid 1500 to get the car back past due payments, repo fees, lot fees ect. But now my credit went down 200 points from high 700 to high 500s. Is there a Best course of action in order to fix this and do I have any basis to dispute the credit hit? I understand its a stretch but any help would be appreciated.  <response>: You are responsible to make sure that your payments are on time and being paid to the correct company and account.I would start first by getting your paperwork together, including bank statements, cancelled deposited check copies, etc.If you can prove that they are reporting incorrectly, give them warning via the FCRA that they are reporting incorrectly. If they do not correct it in a timely fashion, sue them in court. 