Consumer complaint received 2020-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit score was at XXXX in XXXX, but as of XX/XX/XXXX it dropped immensely down to XXXX, i didn't understand why. I called the XXXX  Headquarters first to inquire what was going on, she walked me through to log in an see my credit report, there i saw among other creditors " Credit Acceptance Inc '' ( regarding the car I am currently paying on each month ) had X 's XXXX, XXXX, XXXX, XXXX ; which indicate according to the Chart marked as UNKNOWN. I do recall a time where i had called Credit Acceptance concerned about missing a payment due to this crazy Covid19 going on, but i managed to pull off the payment and make it anyway. And have continued to pay this lender ea month on time without any problem. What i couldn't understand was why the X 's?, So i dug up all my bank statements from XXXX  XXXX and XXXX, all put together showed I paid from XXXX up to XX/XX/XXXX on time and they all cleared. I immediately contacted the XXXX  of Michigan as this creditor was based out of this state and informed them of their error, I made the huge mistake of giving my number out, i never gave this bank " Credit Acceptance '' my number because just knowing from a few phone calls with them, their reps came across as squirrely and aloof, it wouldn't be long before they would begin calling my phone, and i surely was never giving my job number out cause i didn't need their goofiness calling them and getting me into serious trouble, they had my email address for contact if they ever needed to reach me, that was good enough - so i thought but it wasn't. 
XX/XX/XXXX i made a complaint with the XXXX  of Michigan about these X 's marked as UNKNOWN payments, which i can back up easily, when the XXXX. called my phone i was XXXX behind the XXXX   of an XXXX XXXX, not cool at all, i cant be discussing a problem they created taking my focus of the road, XXXX  was responsible for causing this. Yes I roared at them for doing it, chewed them up and spit them out. The next thing i know is, i get a message from XXXX supposedly having an answer of explanation of the XXXX XXXX X 's in payments showing, what they had sent was this copy of an electronical contract i had signed with XXXX XXXX in XXXX Wisconsin when i bought the XXXX XXXX XXXX  in XXXX where i was charged XXXX XXXX dollars, pretty stiff if you ask me for 9 yr old car that i have had to pour money into for repairs. My response to this ignorant act was simple, The contract had nothing to do with them not recording payment as usually its marked with an OK over Green background. I responded rudely back telling bother parties that this contract was irrelevant to the payments marked UNKNOWN with an X, it was like throwing it up in my face what i had agreed too. Duh! I get an email back from a XXXX ( assuming this was from XXXX. ) apologizing for calling my phone or giving out my number. 
Any hoo I have photo copies of the Credit Report which to this day they have not corrected and i don't see them doing so. So I am withholding any further payment, covid19 response or not, i still managed to make the payments per agreement however they chose not to keep the reporting up right. And here i am on my 10 hour break when i should be resting, writing a complaint to another possible dead end. So i am going to make this EZ. Just have them come get the car and mark me as DEFAULT, DONT TRUST, BAD INVESTMENT XXXX XXXX XXXX, i dont care at this point, Id rather save up and Pay in full for a new car without all this XXXX. All this car has done is cost me money in repairs from 2 new batteries drained dry in less then a year, a new alternator, heater coils cleaned out to receive heat to defrost and warm the car, engine problems, clogged gas throat problems which prevented gas entering into the tank, that had to be cleared out, what i ended up buying was a sick car in need of more repairs then its worth of XXXX grand which these cars are not worth XXXX grand! So with that said the following info is yours do what ever i'm walking away from this kindergarten game being played.

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