Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am filing this new complaint to request an immediate re-investigation of Hyundai Motor Finance ( HMF ) account ending in XXXX, which remains inaccurately and unlawfully reported on my credit file despite clear evidence of identity theft and unauthorized post-settlement activity. My prior complaint was closed without correction, and critical errors remain unresolved in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and federal tax law. I have already submitted a complete FTC Identity Theft Report ( # XXXX ), along with my government-issued ID and proof of address. Under FCRA 605B ( c ) ( 2 ) ( A ), the credit bureaus and the furnisher were legally obligated to block and delete the fraudulent data within 4 business days. That deadline has passed, yet the account remains a clear and continuing legal violation. This account was never authorized to be charged off. The vehicle was declared a total loss and fully settled by insurance, and I never agreed to any post-settlement liability. The reported balance of {$3300.00} is unsupported by any legal contract and constitutes fraudulent use of my personal information under FCRA 604 ( a ) and 1681b ( f ). Further, the account shows a sudden CO ( charge-off ) with no prior late payments, which violates FCRA 1681e ( b ), 1681c ( a ) ( 4 ) ( illegal re-aging ), and XXXX XXXX furnishing guidelines. Additionally, no IRS Form 1099-C has ever been issued, despite the charge-off exceeding {$600.00} violating 26 U.S. Code 6050P. I have also formally revoked consent to be contacted regarding this identity theft account. Under FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ), I have the right to block all communications, and Hyundai Motor Finance must cease all contact or be held liable for unauthorized harassment. Compounding the issue, XXXX  has interfered with a separate, undisputed positive Hyundai account ending in XXXX, which I never challenged. This reinvestigation was unauthorized and violates FCRA 1681i ( a ) ( 1 ). I am now formally requesting that this matter be escalated to the CFPB Enforcement Division. Hyundai Motor Finance and XXXX  have failed to comply with clearly established federal law under FCRA 605B, 611, and 607 ( b ), and continue to report a fraudulent, identity theft-related charge-off ( account ending in XXXX ) after the legal 4-business-day window has expired. This non-compliance has caused material harm, and no valid documentation or permissible purpose supports the continued reporting. I have revoked consent to be contacted, submitted a valid FTC Identity Theft Report, and yet the account remains misreported, unverifiable, and damaging. I am urging the CFPB to open a formal enforcement action against Hyundai Motor Finance and XXXX  for repeated and willful violations of the Fair Credit Reporting Act and to compel immediate and permanent deletion of the fraudulent account, along with penalties as appropriate under 15 U.S.C. 1681n and 1681o. I am demanding immediate removal of the fraudulent account ending in XXXX from all credit bureaus and full compliance with FCRA 605B, 611, and 607 ( b ). If this issue is not resolved, I will escalate to the FTC, IRS Criminal Investigation Division, and pursue all available remedies under FCRA 1681n and 1681o.

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