Consumer complaint received 2023-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Fraud Department I am writing to formally bring to your attention a serious matter regarding my credit report, which has caused substantial mental stress and financial harm due to inaccurate and false information reported on my credit file. I have made diligent efforts to address this issue with both the original creditors and your agency but have received no resolution. This letter serves as a Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and a formal demand for the immediate removal of the inaccurate and false accounts from my credit file. Please be advised that I have retained legal counsel, and if these accounts are not removed within three ( 3 ) business days from the date of this letter, we will proceed with filing a claim in small claims court to seek remedies for these violations. 


The following accounts are in question XXXX XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX I would like to emphasize that the reporting of these accounts on my credit report is both inaccurate and harmful, as they have negatively impacted my ability to secure credit, housing, and other financial opportunities. Under the FCRA, consumers have the right to accurate credit reporting, and creditors and credit bureaus have an obligation to ensure the integrity of the information they report. 


I have previously sent certified mail letters to the original creditors of these accounts, requesting debt validation and providing them with a reasonable opportunity to respond, as required by the law. However, I have not received any response from the original creditors within the legally mandated time frame. I have attached each letter that has been sent out with no response. The FCRA clearly stipulates that credit bureaus must investigate and remove inaccurate information within a reasonable time frame. My request for removal of these accounts is well within the bounds of the law and is based on the following FCRA provisions : Section 1681s-2 ( b ) - Responsibilities of furnishers of information to consumer reporting agencies. 

Section 1681i - Procedure in case of disputed accuracy. 

Section 1681e - Compliance procedures. 

Section 1681o - Civil liability for willful noncompliance. 


I urge you to take immediate action to investigate these accounts, confirm their inaccuracy, and remove them from my credit file. Failure to do so will compel me to proceed with a claim in small claims court to seek remedies for the violations of my rights under the FCRA, including damages for the mental stress and financial harm I have endured. I have retained an attorney, who will represent me in this matter. Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I request that you send written confirmation of the removal of the aforementioned accounts from my credit report within three ( 3 ) business days from the date of this letter. 


Thank you for your prompt attention to this matter. I trust that you will take the necessary actions to rectify these violations and prevent the need for further legal action.

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