Managing the loan or lease: Vehicle loan or lease

Hyundai Motor Finance is reporting a factual contradiction on my credit report. They are listing my account status as a 'Charge-Off ' with a $920.00 balance, while simultaneously listing my payment history as 'Never Late '. This $920.00 balance is the result of an insurance payout residual ( deductible and property tax ) following a total loss accident, not a standard consumer credit default. I filed a formal dispute with the credit bureaus, but Hyundai rubber-stamped the verification without investigating the logic error. Because Hyundai is violating the Fair Credit Reporting Act ( FCRA ) by knowingly maintaining inaccurate, contradictory data on my report, I demand the immediate deletion of this derogatory 'Charge-Off ' status. ''