Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13629394
Complaint Overview
Complaint ID: 13629394
Company: Hyundai Capital America
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 10301
Date Received: 2025-05-20T12:00:00-05:00
Date Sent to Company: 2025-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am not disputing the ownership of the debt. I am disputing the legal status of the charged-off account as it is being reported. This is not a duplicate complaint. In my prior complaint, Kia Finance America failed to respond to a material legal question about the status of a charged-off debtspecifically, whether they issued a Form 1099-C, and whether the debt is still legally owed and reportable. Kia marked this new complaint as a duplicate despite the fact that they have never addressed the legal question at the heart of the dispute. Sending a debt validation letter or restating my payment history is not an answer to whether the debt was canceled and if a 1099-C was filed. I am asking for : A direct answer : Was a 1099-C ever issued for this debt? If yes, the account should be removed from my credit reports as it is no longer owed. If no, Kia must clearly explain why this charged-off account is still legally collectible and reported without that form. Dismissing this as a duplicate is an attempt to avoid responding to a legal and financial issue that affects both my credit history and tax obligations. I request that the CFPB review Kias compliance under the FCRA and IRS 1099-C reporting guidelines. Screenshot from Experian showing Kia account still reported as charged off and {$48000.00} past due as of XX/XX/year>. I am requesting verification of the legal status of this debt and whether it has been canceled or forgiven, in accordance with IRS and FCRA guidelines.
Frequently Asked Questions
What is Complaint #13629394 about?
Complaint #13629394 was filed against Hyundai Capital America regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-20T12:00:00-05:00.
How did Hyundai Capital America respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Hyundai Capital America?
Yes, visit the Hyundai Capital America company profile at readthecomplaint.com/company/hyundai-capital-america to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.