Consumer complaint received 2021-09-14
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of 2019, I purchased my own vehicle from XXXX XXXX XXXX XXXX in XXXX, CA and conducted business with XXXX XXXX XXXX and his wife XXXX XXXX ( Owners ). All went well and I left with my car. In XXXX of 2019, I referred my daughter 's father to the same car lot for his own car purchase, in a good faith attempt to return business to what I thought to be a solid car lot as appreciation for my own smooth car purchase. Later in the month, I get an alert that my name had been added on to a joint car loan agreement for the purchase of my daughter 's father 's car as a co-signor. I attempted to contact XXXX XXXX and his wife to inquire as to why my name had been added on to the agreement, as I was not present for the purchase of his vehicle nor was I a party to his loan agreement. My only involvement in anything having to do with that situation was the simple verbal referral I had provided to my daughter 's father and his mother prior to their purchase of his vehicle. 

Upon trying to contact XXXX and his wife, I was met with aggressive and threatening messages telling me that I am not involved in the purchase of the agreement and that I am harassing them with my inquiries. My inquiries were only regarding seeking an answer as to why my name had been added to the purchase agreement/loan for his car when I did not authorize my consent to be added on as a co-signor to any car loan other than my own. From that point on, I was not contacted by anyone again after numerous phone calls to speak with someone about having my name taken off the car loan agreement that I never agreed to be added to. 

Other than in XXXX of 2019 when I purchased my own vehicle, I had not been back to that lot for anything whatsoever and should never have had my name added on to a financial agreement without being physically present for any transactions involving money or without physically providing my signature with the car salesman as a third party witness. I was never present for any business agreements or financial arrangements or even the overall purchase of the vehicle that I was added on as a co-signor for. My attempts to contact the car lot went unsuccessful and I found out shortly after that that the car lot had been shut down for multiple lawsuits involving other consumers suing for bad/fraudulent business practices and breech of contract. 

When I contact the loan originator for the vehicle ( CREDIT ACCEPTANCE CORPORATION ) to request being removed from the fraudulent loan agreement they claim that they have a signed document that consented for the car lot who submitted the car paperwork at the time of purchase that authorized their use of my " ELECTRONIC SIGNATURE '' which I never signed for this car loan. If there is a signature there, it was added fraudulently by XXXX XXXX and his wife at the time of the purchase for this car, as I was not present for any dealings with this car agreement. I have requested they furnish a copy of this agreement to me multiple times with no correspondence and no copy of the document substantiating my agreement to this loan and refuse to remove me from the agreement. I have contacted the credit bureaus and provided my identity theft reports and had the line item removed from my report for all but 1 reporting agency who I am in dispute with now. 

I just want my name removed from this account as I never agreed nor authorized anyone from either company to use my signature to be added on as a co-signor or joint account. 

XXXX XXXX XXXX, XXXX is no longer an operating business as they were shut down and forced to close due to multiple lawsuits involving bad business/fraudulent business practices. 

Credit Acceptance Corporation refuses to work with me and remove my name from this loan after numerous attempts to contact their fraud/complaint department and provide information regarding this fraudulent loan XXXX Credit Bureau hasn't removed this account from my credit report after numerous disputes providing substantiating evidence and documentation of the issue and proof that the account does not belong to me.

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