Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

Good Morning, Im submitting this complaint against XXXX XXXX XXXX, because they reported 30 day late payments to the three credit bureaus on my vehicle loan. 
The vehicle loan account is in me and my husbands name ; XXXX XX/XX/XXXX, my husband went to apply for an apartment and was denied due to all the late payments that where on his credit report. According to the apartment complex, the late payments showed up on XXXX, XXXX, and XXXX. These are the late payments that are currently on our credit report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

On XX/XX/XXXX at XXXX XXXX, I contacted XXXX to get clarification on these late payments, because according to my documents I was never 30 days late. The first person I spoke with a XXXX  over the phone was XXXX and I inquired about all the late payments that were reported to the three credit bureaus. XXXX stated, I only see that XX/XX/XXXX, has been reported to the credit bureaus. Thats when I chimed in and said, According to the credit report that the apartment complex pulled on my husband, XXXX reported these months as being 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX stated that she has limited ability to see whats on my vehicle loan account far as payments are concerned. I asked her to transfer me to a supervisor, and she stated should would be it will be a while before the supervisor would be on the call. I waited 30 mins before XXXX the collections supervisor go on the line. He introduced himself as XXXX the collections supervisor. I asked XXXX, could he tell me what late payments did XXXX report to the 3 credit bureaus because my husband had his credit report pulled by the apartment complex and was denied the apartment because of several late payments on his credit report, I explained to him me and my husband are both on the car loan. XXXX stated, I have limited visablity to you car loan account. I said, You are a supervisor and you cant tell me what 30 day late payments XXXX submitted to the credit bureaus. XXXX said, We report differently to the credit bureaus, for instance if it the XXXX and we havent received a payment by then we report you to the credit bureaus. I informed him that was illegal because by law you must be 30 days late on payments before you can submit it to the 3 credit bureaus. XXXX is giving me this illegal information on a recorded XXXX  line. He instructed me to send a letter to the XXXX  direct dispute department. After he gave me that information, I informed him that I would be submitting a complaint with the CFPB about these late payments and this wasnt the first time that XXXX  sent incorrect info to the credit bureaus on this car loan. 
Please remove inaccurate late payments for these months from the 3 credit bureaus ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also is there a way from preventing the month of XX/XX/XXXX and XX/XX/XXXX from being submitted to these three credit bureaus XXXX, XXXX and XXXX. 
Ive attached a copy of screenshot from my car payments when I submitted them when I pay them via online. I dont have the screenshot of XX/XX/XXXX because it was in my old phone and it just blacked out on me and for some reason it wasnt saved in the cloud.