Credit reports

[BPTactical]

I suspect that even if ownership was transfered prior to the due date of your payment, legally you are still considered responsible for the punctuality of payment as the financial agreement was with you & not the dealership.

Unfortunately the dealership jerked you & you're left with selling the symantec gymnastics of it. They need to own the transfer date in a letter at minimum so that even if you can resolve it on the official record, you have a tangible document to support your position for the 'unofficial' consideration that may come up after this.

Ive never traded in a vehicle so I have no idea what the paperwork says about assuming responsibility for the remaining debt & the liabilities they did or did not assume.

Geez what a hassle. My sympathy.

There is a legally binding document showing the date the receiving dealer accepted the trade in vehicle.
It is called a Bill of Sale.
Account shows paid in full and I was even sent a refund check from the lender for overpayment.
Anyway I have disputed it and provided documentation to the Credit Bureau showing that payment was current at trade in and a copy of the Bill of Sale showing trade in date.
The real bitch is the loan on the new vehicle is carried by the same lender with a date of effect of 8-24-18, the new loan was already approved and in place when the old vehicle was physically traded in.

Dealer playing fuck-fuck games, they likely didn't pay it off until they sold it.
That's not my problem.