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

This is a complaint against XXXX XXXX. 

Here is the story in short : On XX/XX/XXXX I was involved in an accident with a vehicle I leased from XXXX XXXX. My insurance company, XXXX declared the vehicle as a total loss and advised me they would be paying off my remaining lease with XXXX XXXX. 
I was advised by both XXXX and my leasing company that whatever XXXX doesnt cover, my GAP insurance, which is mandatory by the law of NY, would cover the rest. 
I was in contact many times with XXXX and I was under the impression that everything was taken care of. 

Around XX/XX/XXXX I received a bill from XXXX XXXX for {$4800.00}. THIS IS THE LAST BILL I EVER RECEIVED FROM XXXX XXXX. 
I was surprised I had a balance. After many back-and-forths with both XXXX and Hyundai, it seemed that there was some mistake with the way XXXX adjusted the vehicle. Something to do with rebates. XXXX told me they would submit the balance and GAP insurance would cover the rest. 

I spoke to Hyundai many times. First they kept on telling me I do not have GAP insurance. I explained to them it is required by law, and it is also on my lease agreement. I was promised many times return calls from a supervisor. THEY NEVER EVER RETURN CALLS! 

Finally, they admitted I have GAP insurance, but for some reason which they could not explain, they did not want to file a claim with GAP. 

They told me many times they would call me to back to explain, but that never happened. 

I believe the reason they did not file is because, as I later found out, HYUNDAI OWNS THE GAP INSURANCE, and they do not want to pay it! So they just dont make the claim! 

My leasing company told me they never ever had such an experience with any other company. 

Anyways, I was under the impression that between XXXX and GAP, everything would be taken care of. 

AGAIN, AFTER XXXX TOLD ME THEY WERE SENDING ANOTHER PAYMENT, I NEVER ECIEVED ANOTHER BILL! 

Sometime later, I was checking my credit report with XXXX XXXX, and I noticed HYYUNDAI FINANACE still chowed me owing XXXX. I checked again with XXXX and they said they sent the 2nd check, and they dont know why it shows Im still owing the money. I called XXXX XXXX. They admitted they received XXXX check, but we were still disputing why no claim was filed with GAP insurance for the remainder. The reps didnt know why, and a supervisor was supposed to look into it and call me back. 

I was never called back. I emailed them and was not responded to. 

This argument was for the small amount XXXX did not cover. 

When I saw my Credit Report was still showing I owed the full XXXX, and it showed I was not paying it, I filed a complaint with the Credit Agency through XXXX XXXX. 
Instead of just correcting, XXXX XXXX did update the amount, but instead of just billing and discussing the remaining {$560.00}, they sent it an agency for collection, and reported me as over 60 days behind and delinquent on my payment. They reported it as a write-off. 

I WAS NEVER EVER BILLED FOR THIS AMOUNT. 

NEVER EVER!!!!!! 

How can I be delinquent on something I was never billed for?!?! 

I believe they did this in retaliation against me for filing a complaint through XXXX XXXX. 

As a side point, it should be illegal for the financing bank to own the GAP insurance. There is no oversite and they will never file. Why should they pay when they can just make up any excuse and bill the leaser! 

Bottom line : How can I be delinquent on a bill I never received?!? 

My credit score was killed because of them. It plummeted for no reason at all! They need to correct this!! Then they should be fined and reprimanded! 

I am attaching the most recent bill ( XXXX ) which was before they received a check from XXXX. Then the next thing I received after I filed a complaint. I did not receive ANY correspondence in between these two.