Consumer complaint received 2017-10-02
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
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: Investigation took more than 30 days

Complaint:
CREDIT ACCEPTANCE HAS NOT BEEN UPDATING MY XXXX CREDIT REPORT AT ALL. IVE BEEN DISPUTING THIS ACCOUNT SINCE XX/XX/XXXXAND EVERY TIME THEY COME BACK WITH THE SAME ANSWER ON THE COMPLAIN. XXXX DOESNT REVIEW OR USED THE DOCUMENTS THAT YOU SEND IN AS YOUR WAY OF DISPUTING THE ACCOUNT. THEY CLAIM THEY DO A THROUGH INVESTIGATION ON ONES DISPUTE BUT I DONT BELIEVE THEY DO. I HAVE DOCUMENTS THAT SUPPORTS MY CLAIM ON WHY THEY DONT. ONXX/XX/XXXX I SENT IN A DISPUTE WITH XXXX ONLINE AND THE FILE NUMBER IS XXXX. I DISPUTE THE BALANCE ON THE ACCOUNT AND IT SHOWED THE ACCOUNT STATIC AS BEING OPEN. I RECEIVED DOCUMENTS FROM CREDIT ACCEPTANCE THAT SHOWED MY PAYMENT HISTORY ON THE ACCOUNT. THAT SHOWED MY FIRST PAYMENT ON THE ACCOUNT WAS MADE IN XX/XX/XXXX AND MY LAST PAYMENT THAT THEY RECEIVED WAS XX/XX/XXXX WHEN I TRADE MY CAR IN AND THE DEALER SENT IN A CHECK IN XXXX THAT PAYED OFF THE CAR.. SO ON MY CREDIT REPORT IS SHOULD SHOW 15 PAYMENTS ON THE ACCOUNT WHICH IT DIDNT SHOW. SECOND THE BALANCE SHOULD BE XXXX AND NOT REPORTING ANY BALANCE WHICH IT SHOWED ON MY REPORT. FINALLY IT SHOULD SHOW CLOSED AS PAY AS AGREE INSTEAD OF SHOWING OPEN WITH A BALANCE. I CALLED XXXX AND THEY STATED THAT THE ACCOUNT WAS DELETE WHICH I INFORM THEM THAT THE ACCOUNT SHOULD OF BEEN UPDATED AS CLOSE PAY IN FULL. I WAS INFORM THAT I WOULD HAVE TO GET IN TOUCH WITH CREDIT ACCEPTANCE ABOUT THIS. AWHILE BACK I RAN WITH THE SAME ISSUE ON MY XXXX XXXX CREDIT REPORT AND YES THE ACCOUNT WAS DELETE AND WITH THE SAME RESPONSE FROM CREDIT ACCEPTANCE THEY DIDNT DELETE THE ACCOUNT BUT WOULD LOOK INTO IT. I TALKED TO XXXX XXXX FROM CREDIT ACCEPTANCE AND THAT WHEN SHE SAID I WOULD NEED TO SEND A LETTER THAT STATE THAT I WANT THE ACCOUNT REINSERTED BACK ON MY CREDIT REPORT WHICH IT HAS BEEN BUT ON THAT REPORT IT REPORTING BALNCE WHICH IT NEEDS TO BE UPDATED AS CLOSE PAY AS AGREE NO BALANCE. I SENT AND I CALLED XXXX XXXX AND I SENT HER EMAIL ABOUT THIS AND SHE SENT ME EMAIL BACK STATING THAT THE ACCOUNT WAS DELETE. SO WHY WAS THE ACCOUNT DELETE AND WE RAN IN THIS SAME ISSUE ON MY OTHER REPORT. I DIDNT ASK TO HAVE THIS ACCOUNT DELETE I WANTED THIS ACCOUNT UPDATED AS CLOSED, PAY AS AGREE WITH XXXX BALANCE AND MY PAYMENT HISTORY REFLEXING FROM TIME OF THE LOAN WHEN IT WAS PAYED OFF. IT TIME FOR CREDIT ACCEPTANCE TO START TAKING RESPONSIBILTY ON THIS ISSUE. AND YES XXXX   ALSO. DATE OF LAST PAYMENT ON THIS ACCOUNT SHOULD BE XX/XX/XXXX THAT IS WHAT IS STATE ON MY TRANSITION HISTORY OR PAYMENT HISTORY FROM CREDIT ACCEPTANCE. XXXX  DATE OF LAST ACTIVITY IS WRONG AND I HAVE DISPUTE THIS TIME AND TIME. IT SHOULD SHOW AS DATE OF LAST PAYMNET WHICH IS XX/XX/XXXX NOT XX/XX/XXXX AND EVERY TIME I DISPUTE THIS XXXX  IS ALLOWING CREDIT ACCEPTANCE TO PUT IN ACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT CHECKING VERIFYING THE DOCUMENT THAT I SENT IN. WHEN YOU LOOK AT THE PAYMENT HISTORY DATE OF LAST ACTIVITY SHOULD BE THE SAME AS DATE OF LAST PAYMENT. WITH PUTTING WRONG INFORMATION ON ONES CREDIT REPORT ARE YOU AWARE YOU CAN LOWER SOMEONE CREDIT SCORE.

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