Consumer complaint received 2021-08-10
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

Violated 15 USC 1692f ( 6 ) ( a ) ; Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property Violated 15 USC 1692f ( 6 ) ( b ) ; Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

Invasion of Individual and Family Privacy Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
You, KIA MOTOR FINANCE and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under XXXX. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary. 

For your violations, I am assessing a penalty/fine of {$760000.00} to be settled immediately upon receiving this communication, you have 10 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a {$2500.00} additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. 
Respectively XXXX, XXXX, Consumer/Authority/Principal Creditor/Authorized Representative/ Natural Person CONSUMER ENFORCEMENT SETTLEMENT ORDER ( PRE-SUIT ) INVOICE # XXXX DATE : XX/XX/2021 STATEMENT OF DAMAGE VIOLATIONS NOTES FEES 1692c ( a ) ( 1 ) Communication without prior consent.

{$1000.00} 1692e ( 2 ) ( a ) False representation ; {$1000.00} 1692e ( 2 ) ( b ) False representation ; {$1000.00} 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt. 
{$1000.00} 1692d ( 2 ) Obscene/profane language accusing me of having an account with you.

{$1000.00} 1692e Using false, deceptive or misleading representations {$1000.00} 1692e ( 2 ) ( a ) False representation ; {$1000.00} 1692e ( 2 ) ( b ) False representation {$1000.00} 1692e ( 8 ) Communicating false debt {$1000.00} 1692e ( 9 ) Use/distribution of communication without authorization or approval {$1000.00} 1692e ( 10 ) False deceptive means to collect a debt {$1000.00} 1692f Unfair practices {$1000.00} 1692f ( 1 ) Attempting to collect a debt absent of an agreement between parties.

{$1000.00} 1692f ( 6 ) ( a ) Taking or threatening to take possession of property {$1000.00} 1692f ( 6 ) ( b ) Taking or threatening to take possession of property {$1000.00} 1692c ( c ) Consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication {$1000.00} INVASION OF PRIVACY TRESPASS Invasion of Individual Privacy and Trespassing {$250000.00} IDENTITY THIEF Obtaining personal identification information and creating an account ( SSN, Name, Address ) {$250000.00} ADDITIONAL ASSESED DAMAGES Emotion distress, Defamation of character, other unseen injuries. 
{$250000.00} TOTAL {$760.00}, XXXX PAYMENT SETTLEMENT DUE BY XX/XX/2021. AFTERWARDS YOU WILL BE IN DEFAULT. YOU WILL BE ASSESED A PENALTY OF {$2500.00} PER DAY PAST DUE DATE AND IT WILL INCUR INTEREST. YOU AGREE AND STIPULATE TO MY TERMS AND WHATEVER MONETARY COMPENSATION AND REDRESS I ARISE TO. 

NOTES *PRIVATE RIGHT OF ACTION *PURSUANT TO 1692K ( a-1 ) ( 2-A ). CIVIL LIABILITY.

*Other Consumer Protection Laws May Apply * {>= $1,000,000} in stipulated cost to initiate private right of action in a court of competent jurisdiction enforcing consumer protections laws.

Compensation Redress Settlement Order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation