Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am submitting a complaint in regards to the inaccurate reporting previously addressed in a complaint dated XX/XX/XXXX. I made it a point to state the fact that XXXX continues to report inaccurate information to the XXXX CRA 's. 
I had my account placed in Charge off status only to again discover that the Finance Company failed to report my account accurately even after their response on XX/XX/XXXX. The attached complaint response states that XXXX is reporting information accurately after their review. Well that is not the case and the fact that they decided to place false information in the CFPB report is a little concerning. 
I am now dealing with the fact that out of the XXXX credit bureaus. I still have * XXXX reporting the account as Open. With a XX/XX/XXXX delinquency date, a {$44000.00} balance. Account last updated XX/XX/XXXX and the last payment XX/XX/XXXX. In regards to all of the late payments, There is no data provided for XX/XX/XXXX, 90 days XXXX, 60 days XXXX, 90 days XXXX, 60 days XXXX, 90 days late, XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX have no updated info even after they stated on XX/XX/XXXX that the account has been closed XX/XX/XXXX and that I was aware that it was charged off per their written response XX/XX/XXXX ). 
*XXXX- shows the account as closed. With a balance of XXXX last payment was XX/XX/XXXX. Late payments reflect 30 days XXXX, 60 days XXXX, 30 days XXXX, 60 days late XXXX, 30 days late XXXX, 60 days XXXX, 90 days late XXXX, XXXX XXXX XXXX listed on the credit report as XXXX XXXX XXXX. ( XXXX  parent company but not with whom I am contracted ). Show the account as closed. With a balance of {$45000.00}, last payment was XX/XX/XXXX. Late payments 30 days XXXX, 60 days late- XX/XX/XXXX, 30 days XXXX, 60 days XXXX, 30 days XXXX, 60 days XXXX, 90 days XXXX, Chargeoff- XX/XX/XXXX. 
This type of inaccurate reporting was an issue that the CFPB ordered XXXX to pay {$19.00} XXXX for. I had XXXX try and insult me for bringing up a valid claim in XXXX. Dismiss my claims as frivolous when they are in fact guilty of what I addressed in my initial claim. There are laws that protect against this and the fact that XXXX has had over a month to fix the errors on my report. 
In XXXX, they were ordered by the CFPB to take the steps to prevent future violations they again failed to take the reasonable measures to address the inaccuracies. 
So as of today XX/XX/XXXX, they are guilty of violating Title 15 US Code 1611- Criminal liability for Willful and Knowing Violation. I am left with no choice to believe that XXXX intentionally and knowingly violated consumer credit protection laws. 
The CFPB also fined them for : Failing to modify or delete information when required. Failing to have reasonable identity theft procedures. After disclosing to them issues I had with my account. They only advised that I contact the FTC and file a report after I disclosed how my information was fraudulently used and obtained. 
They still fail to have reasonable accuracy and integrity policies and procedures. 
Why was I never given any correspondence to even show that the account has been closed or written off. Why is there no documentation that XXXX  can provide to reflect that they even informed me of the status of my account. Per their written testimony, they can only attest to verbally stating that they made me aware of my account status. 

They state this unaware of the fact that it is against the law for a creditor to put anything on my credit report without giving me the opportunity to challenge and dispute the debt. Nothing was sent in writing. And according to XXXX, I do still have an open account so I don't know what to believe. 

Are we also dealing with an issue of tax fraud, when the creditor states to me that they have written the debt off. What status is this account? I need help.

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