Consumer complaint received 2021-03-31
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing my credit report account information as inaccurate and reporting errors with XXXX XXXX XXXX XXXX. I found out about the alleged debt when it was to late. I did not have any knowledge nor did I receive any notifications of the alleged debt. XXXX removed all errors and inaccurate information. 
XXXX and XXXX are still reporting errors and inaccurate information. 
Ive contacted both credit bureaus XXXX Credit Bureau and XXXX Credit Bureau numerous of times and disputed those errors and inaccurate information thats remaining on my credit report. Ive also asked them to validate the debt, both credit bureaus have come back to me and stated they were able to verify and validate this debt. How is this possible? Under the laws of the FDCPA, I have contacted both collection agencies myself and have been unable to get them to verify that this is indeed my debt with physical documentation.

XXXX is also is reporting errors and incorrect information with the creditor Credit Acceptance Corporation as in late payments. I was never late on this account. I have disputed this error and inaccurate information and I have asked XXXX to validate the account by sending me physical documentation as in the original signed contract bearing my signature including the amount of the monthly payment and the monthly payment due date, copies of the original cashed checks used for bill payment including the dates, bank statements showing my payments including the dates. The dates of the alleged late payments are as follows XX/XX/XXXX and XX/XX/XXXX, XXXX through XXXX of XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX and XX/XX/XXXX. XXXX  is reporting the following for the creditor Credit Acceptance : Date Opened XX/XX/XXXX, Monthly Payment {$0.00}, Responsibility Joint Account, Account Type Installment Account, Loan Type AUTOMOBILE, Balance {$0.00} Date Updated XX/XX/XXXX, Payment Received {$2500.00}, Last Payment Made XX/XX/XXXX, High Balance {$20000.00}, Pay Status Current Account, Terms {$0.00} per month, paid Monthly for 66 months, Date Closed XX/XX/XXXX, Remarks CLOSED. 
Please validate or remove from credit I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what Credit Acceptance the furnisher sent to the credit reporting agency XXXX as evidence or any physical documentation that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. You have 30 days to send me physical and verifiable documentation if not Please remove these accounts immediately from my credit report.

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