Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Request for Reinvestigation and Correction of Credit Report Confirmation # XXXX Dear XXXX  Representatives, I am writing to formally request a reinvestigation regarding the results of the dispute filed under confirmation number # XXXX, concerning the account reported by Kia Motor Finance, partial account number # XXXXXXXX XXXX 
After thoroughly reviewing the updated credit report dated XX/XX/year>, I have identified multiple discrepancies that warrant immediate reinvestigation under the provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Discrepancy in Payment Records XXXX  reports an actual payment amount of {$0.00} as of XX/XX/year>, while Kia Motor Finances system reflects a payment of {$760.00} made on XX/XX/year>. This omission constitutes a material misrepresentation of payment history, which negatively impacts my credit profile. 
2. Unnotified Involuntary Repossession The account history includes a XXXX  code for XX/XX/year>, indicating an involuntary repossession. I did not receive any formal notice nor documentation regarding this action. I request that XXXX  provide evidence of lawful notification and procedural compliance from Kia Motor Finance, as required under applicable consumer protection laws. 
3. Charge-Off Status with Active Balance The account has been marked as Charged Off since XX/XX/year>, yet a balance of {$11000.00} continues to be reported. This dual status may mislead third parties and must be clarified. I request verification of whether the debt was truly canceled, sold, or transferred, and that the account status be updated accordingly. 
4. Request for Reinvestigation Procedure Disclosure Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally request a detailed description of the procedure used to determine the accuracy of the information, including : The name, address, and telephone number of the furnisher of information Copies of any documentation received by XXXX  from Kia Motor Finance Justification for the Verified as Reported outcome despite the evidence provided 5. Consumer Statement Request Please include the following consumer statement in my credit file, as permitted under the FCRA : The account reported by Kia Motor Finance contains substantial errors in payment history and adverse event classification. Payments were made but not reflected, and a repossession was reported without formal notice. This information is actively being disputed. 
I respectfully request that this reinvestigation be completed within 30 days and that I receive a written response detailing the outcome. If a satisfactory resolution is not achieved, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for damages resulting from inaccurate reporting.

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