I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help 
