Consumer complaint received 2020-06-04
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Acct # XXXX Credit ACCEPTANCE XXXX XXXX XXXX XXXX XXXX. 
XXXX MI XXXX Fax XXXX FROM : XXXX XXXX XXXX To Whom It May Concern : In regards of a recent derogatory credit report and I have been denied acceptance to recover and increase my credit score back to over 700. I am discouraged and hopeless towards the future of my family. I have a large family that depends on me greatly and will not be able to acquire a home for myself and them due to this denial from the credit agency. With everything going on with COVID-19 my employer was not able to pay me throughout the past month oXXXX XXXX in a continuous weekly pay day due to shortages of business. COVID-19 has TREMENDOUSLY impacted me and my family in many ways like the rest of the world and we wish we can continue on purchasing a new home to bring some light of hope for all of my familys future. I have worked VIGOUROUSLY to support my family and have been SAVING money to move to a new home that I found this past weekend ( XXXX XXXX ) that I was delighted to receive the news the sellers accepted my offer and could call this new location home. 
I have maintained an over 700 credit score over the past couple of years and this is an insult to me for the financing company that has my vehicle to deny my credit increase to acquire the home for a recent missed payment on a vehicle. As of yesterday XX/XX/2020, I have PAID OFF THE VEHICLE IN FULL. I have also paid a remaining balance on a credit card with PROOF of action done on XXXX XXXX. I have always stayed on top of my financing bills and one recent mistake has terribly brought DESPAIR and HOPELESSNESS to myself and my family for possibly having to cancel the transaction of buying the new home. I PLEASE BEG of you to help find a solution to this major issue that will result in many pains and sufferings towards my family. COVID-19 has already brought limitations on me being with my family and has made the process of purchasing a home more delaying because of it. Once I found the perfect place to call home it has brought a negative thought to the future of my family. We are now under contract and TIME IS OF ESSENCE and ACTION NEEDS TO BE DONE IMMEDIATELY! 
I have called to try to work something out with the financing company of my vehicle to clear the late payment bad record and they have denied doing payment arrangements. I have PAYED OFF the vehicle in FULL and now have the vehicle under my OFFICIAL OWNERSHIP.I have ALWAYS paid on time and kept my payment balances in GREAT standing. I beg to PLEASE delete this towards my credit because it has affected my life and family situation. I almost come into tears to think of not having a future home for my family. PLEASE understand my frustration and lost hope thoughts for it not only affects me but my family as well. 
PLEASE I beg you to investigate my case and have the car financing company to remove this reporting in error and in good standing. PLEASE send confirmation within 3-5 days. PLEASE 3- 5 days because we were hoping to close on the house at the end of this month of XXXX. PLEASE I beg for help and remorse for this situation I believe can be fixed as long as we all work together. 
You may contact me at : EMAIL : XXXX Phone Number : ( XXXX ) XXXX PLEASE I BEG REMOVE THIS DEROGATORY REPORT ON MY CREDIT SCORE TO HELP ENSURE THE FUTURE OF MY FAMILY. 
Spoke to XXXX XXXX payment confirmation XXXX Payment amount XXXX Second payment confirmation XXXX Payment amount XXXX

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