Product: Credit reporting, credit repair services, or other personal consumer reports

After months of trying to make arrangements for the upcoming months during this Cov-19 pandemic ... Kia Finance did NOTHING to assist my problem of facing complete business closure without a car. Not being able to continue paying for this car was not something I could have imagined. I asked for refinancing at a lower rate and a 3 payment delay like many other companies were doing. That would have given me a chance to secure other means of employment and finance. I was told no they do not refinance. In my report there was claim of late payments Not true! There were NO late payments as they reported. Before the money ran out I said to them, please, I would have to turn the car in.. Even though they did not budge I continued to pay the payment out of the business account hoping they would change their mind, talking with them and nothing! This was XXXX, XXXX and XXXX payments. Then the account was depleted. I was told they would send me the form over the computer, it took multiple calls and different people to get this done. They were rude when I continued to tell them my financial situation had not changed but continued to get worse. Now after three months of shutdown and not one contract, me being high risk because of underlying conditions I did not see a light at the end of the tunnel and now there would be no more payments. I was closing the bank account because they charged monthly fees as well. These conversations with Kia began very early in the pandemic. I had many, many conversations with this company because I began calling once a week. The amount my credit points decreased is unheard of. From XXXX points to XXXX! with just one issue? An issue no one could control, even today as I write to you its still a problem. ( Fact and story ) a young lady I know recently filed bankruptcy a foreclosure and multiple repossessions, credit cards and loans were all sited. Should be devastating on her credit report. Nope. ( Fact ) My record shows I managed my finances perfectly. Not one late payment on credit cards, mortgage or car. One issue.. very devastating on my report! I find this has got to be racially motivated. Why? That person I spoke of is my XXXX friend. She filed bankruptcy 2 months ago. Left her house in PA, cars and credit card. Her score went down 90 points. Over 300k in bills unpaid she walked away from. Who determines the numbers the credit reports drop or increase. 
Kia purposely sought to destroy me because I did not allow them to bully me with their threats. They outright lied on my credit report and told me that they would make my credit report go down considerably when they report it to the credit bureau. Its wrong but no one has ever questioned these companys motives or integrity and they ruin peoples lives. No one has seemed to care about those destroyed by them and we lie down and take it .. until now! So my question is What do I need to do? What is my next step and the ones after that? I will continue this fight until my numbers are changed and back up on my credit report. We have suffered twice and it will affect us the rest of our lives. Mentally, physically and financially. Why add another pandemic to our problems with racially. At what point will we be treated fairly in the credibility status. Allowing Kia to do this without a thought shows how bad systemic racism is. We did not start this virus, yet we have suffered the hardest impact from it. Ive mourned the loss of family and friends. Until Kia Finance and others are sited for their immortality we remain in the poverty status and will never be able to overcome it. Thank you for your time and I pray you will contact me soon.