Consumer complaint received 2023-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
* Contacted Credit Acceptance ( CA ) back in XXXX to correct the balance * Called CA on XX/XX/XXXX and spoke to XXXX who works on CA 's Legal Collections Team ( who was very helpful ) along with XXXX who manages coordination with XXXX XXXX XXXX XXXX XXXX. XXXX conveyed her apologies for the oversight of the late reporting, and payment history since the account was settled in XX/XX/XXXX, but their documentation reflects XX/XX/XXXX. 
XXXX stated that CA would update the credit score that day, but it would not reflect until XX/XX/XXXX. XXXX advised me to reach out to the law firm XXXX XXXX XXXX ( XXXX ) XXXX for the satisfaction of Judgement ( SOJ ) I spoke to XXXX XXXX who was not helpful at all, and suggested I call CA back. 
* XX/XX/XXXX I had a conference call with my Mortgage XXXX ( XXXX ) and CA to get an update on my credit score and documentation. I asked to speak with XXXX since she spoke to me initially, but XXXX who was very guarded with her responses and stated she was not available, but she would try to help. XXXX basically confirmed what I already knew to be true... nothing was done, and no documentation was available. XXXX also mentioned that the refund would be sent to XXXX XXXX, but did not share the amount. XXXX made note of both XXXX and my email address to forward the requested documentation. 
XXXX I received a letter from CA regarding my credit dispute stating " we do not have enough information from you to review your inquiry ''. 
XXXX called CA and spoke with XXXX who stated CA received the reference number for the SOJ but would not give me the number, but suggested I reach out to the District Court 's office. 
XXXX My mortgage team had XXXX XXXX XXXX XXXX XXXX reach out to me to have my tradelines updated without any late payments. XXXX ( XXXX ) and I conference called CA and XXXX who was extremely helpful ( manages coordination with XXXX XXXX XXXX XXXX XXXX ) answered the phone and apologized for the inaccurate reporting, answered all of Jasmines questions. Even though her office has a copy of the ( XXXX ) its not signed by the Judge. XXXX suggested I reach out to the XXXX XXXX for an update. I called the XXXX XXXX again and spoke to XXXX XXXX again who couldn't even find my file with my account number. He found it eventually and confirmed that XXXX was still not signed, but that it could take a few days. I stated that's what you said this the last time, and nothing has happened! He was not professional towards the end of the call. 
XXXX XXXX XXXX out to me and stated that late payments are still reporting on my credit history even though it has a XXXX balance. XXXX suggested I call CA again to have them correct it. XXXX stated she always has difficulty when dealing with Credit Acceptance. A formal complaint to Consumer Financial Protection Bureau ( CFPB ). 

I will call today again on my behalf.

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 monetary relief