Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain errors : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

3. Timely Payment Made KIA FINANCE AMERICA Account Number : XXXX Please remove late payments and update account 4. Validate AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

5. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

6. The following is an invalid late payment XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove late payments and update account 7. Timely Payment Made XXXX XXXX XXXX Account Number : XXXX Please remove late payments and update account XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

9. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

11. Validate Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

12. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

13. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

15. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 

16. Validate Account XXXX XXXX Account Number : XXXX Please verify this account. If you can not verify within 30 days you have to delete this inaccurate information. 


In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the respective creditor. Any information that can not be verified by the creditor should be removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please provide an updated copy of my credit report to the address stated above. According to the act, there should be no fee charged for this updated report. Additionally, I kindly ask that you send correction notices to anyone who has received my credit report in the past six months.

Thank you for your attention and assistance in resolving this matter.

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