Consumer complaint received 2022-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company Credit Acceptance is currently investigating a car loan that was taken out using my personal information which I have been trying to have removed from my credit report for several months. I am filing this complaint to ensure this is taken seriously and this account is thoroughly investigated. On XX/XX/XXXX I called in and spoke to a representative by the name of XXXX who was extremely rude and did not take my claim seriously she told me the account was too old to dispute and that their was a judgement filed against me in XXXX New York she then advised me to send an email to XXXX with an identity theft affidavit, my ID, and a sheet of paper with my signature written XXXX  times. For the record I was born in the state of New York but I have never resided in XXXX New York I sent the email to credit acceptance with the requested information as well as a letter requesting that they provided me additional information about the account so I could provide as much assistance as possible in investigating how this account was opened. I never received response but my credit report said the dispute was resolved. I contacted the credit bureaus to affirm the account does not belong to me and they said unfortunately they rely on XXXXredit Acceptance to complete an investigation and they recommended that I contact the Consumer Financial Protection Bureau. I lost my job so for a period of time my focus was elsewhere dealing with my loss of employment. On XX/XX/XXXX I decided to call back in again and I spoke to a representative by the name of XXXX who was a lot more helpful she advised that the vehicle loan was for a XXXX XXXX XXXX and that this loan was associated with the same address some other fraudulent accounts were opened she gave me specific instructions to write an email to XXXX and to provide an identity theft affidavit, my ID, and my signature on a piece of paper 5 times and to submit this information no later than XX/XX/XXXX. XXXX also provided me with an Account # XXXX and told me to follow up with the complaint resolution team at ( XXXX ) XXXX. I followed up on XX/XX/XXXX and spoke to an account specialist XXXX who essentially claimed that I have ownership of the vehicle and insisted that a " XXXX XXXX '' called me and left a message for me which I told her I had no record she also stated that she had several phone calls on record of me requesting vehicle repairs in the past and a phone call with me on an old telephone number claiming ownership of the vehicle on XX/XX/XXXX which I told her is simply untrue. I have not had that old telephone number in quite sometime and I personally gave them an updated telephone number on XX/XX/XXXX. I then requested to speak to XXXX XXXX and she told me XXXX XXXX and all of the Managers were in a meeting. On XX/XX/XXXX I spoke to XXXX XXXX and she stated that she did call me on my telephone number XXXX and perhaps there was a misunderstanding of the statements made by XXXX. She confirmed that she received the email but the ID was cut off and she also wanted a copy of my social security card which made me feel extremely uncomfortable. I was then told that the signatures I sent in as requested was a match to the contract on file which is impossible. She then advised that she has recorded calls and my voice matches the voice on the recordings and they have records of calls made by them to me and vice versa from my old telephone number XXXX the issue I have with that is that I did not have the number XXXX at that time and I told her the statements being made were making me feel as though their willingness to do a true investigation is becoming questionable. The account for this vehicle was opened in XX/XX/XXXX and closed shortly after in XX/XX/XXXX. If this vehicle was purchased in the state of New York why would there be a telephone number registered to the state of Florida make and receive calls? XXXX XXXX then alluded me to the fact that the information used to verify income was a pre-paid card of some sort which I then pointed out is another red flag that the account was fraudulently opened.She stated that the payments were made through XXXX XXXX which is also another well known vehicle for scams and fraud. Prior to ending our call she provided me medical assistance beneficiary information as proof of address which is also very strange I have never lived in the state of New York or been on any public assistance and I asked her if it was a customary practice for their company to take that type of information as proof of address. As someone who works in the medical field myself Credit Acceptance could not call and verify the information on any letter provided due to laws that protect sensitive personal information in regards to medical records.Ms. XXXX states that the letter came from XXXX XXXX XXXX Department and she provided me the telephone number XXXX she insisted that the investigation would come to a stop if I did not send in the full copy of my ID and my social security card I then let her know that I would search for the social and call the number to XXXX XXXX XXXX Department at the number provided XXXX. Once I got home on XX/XX/XXXX I called the number she provided and the phone just rang and rang with no automated set up, directory, or messaging service which leads me to believe the number is not a real number and the document used must also be a document produced as a result of fraud. To be sure I googled XXXX XXXX XXXX XXXX and the number that comes up is XXXX I spoke to a XXXX in their office and she stated she could find no record of my name in their system. Again. I am filing this complaint to ensure my name is cleared from this auto loan and I would like a fair and complete investigation which I have requested several times.

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