Consumer complaint received 2022-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several years and contacting via disputes with all 3 credit reporting bureaus, I have as well contacted Credit Acceptance corporation over several years to have this Issue fixed, without any resolve. 

My vehicle broke down while traveling through XXXX  XXXX, Oklahoma, it was towed to XXXX complete auto repair, after a month of searching for a used rear-end one was found, at the cost 0f {$4500.00} as XXXX does not manufacture rear-ends for this such vehicle in XXXX in the month of XXXX XXXX after a 3 week wait for the repairs the vehicle had been in the shop now for 2 month in total I was unable to work as I use my vehicle and work for Oil & GAs clients all across USA. I was down and my Payment 's in the month of XXXX XXXX reflect a missed payment so XXXX & XXXX and XXXX I was without my vehicle in the repair shop at the cost of {$7900.00} to pick it up from XXXX in XXXX  XXXX, Oklahoma. 
I had been in contact with the manager of XXXX, about paying my bill i was roughly XXXX short of the complete repair bill. At this time i had received a call from Credit Acceptance about my behind 3 payments, they asked where the vehicle was at when i stated i was behind because the vehicle was in the repair shop and I hadn't been able to get to work to make my payments, as my father was helping to pay the repair along with another co worker whom was going to help pay my XXXX bill so I can return to work. 

Credit Acceptance stated they were going top Repossess the vehicle after verifying it was in fact in the repair shop, But the manager stated that it would not be leaving the shop until the repair bill was paid in full. At this point the manager contacted via me phone and stated that he received a call from Credit Acceptance and I told him I let them know which shop it was in because Credit Acceptance asked, he did tell me they wanted to repo the vehicle and referred to they could not take it until the repair bill was paid. after a few weeks I called back to XXXX and was told that, XXXX was sent the title for the vehicle due to they did want to physically come pick up the suburban, My complaint is that I was never sent a letter of default or a letter giving a time line date to make up my behind 3 payments from Credit Acceptance, and I never had the title to the vehicle, it was always kept by Credit Acceptance. 
In XXXX 0f XXXX  XXXX received the title for my vehicle from Credit Acceptance, XXXX then placed my vehicle up for sale. 
I feel I was violated by Credit Acceptance Corporation in the fact of failure to give me a Right to Cure the Default and a choice to make those payments. 
Credit Acceptance stepped in Civilly between me and the Auto repair shop, and did a repossession without proper procedure of my rights civil and Federally as I am protected to have. 
To this date, I am being given bad reports of 120 late payments each month since XXXX, XXXX to my credit reports with all 3 major bureaus. 
XXXX has a different amount that Credit Acceptance has reported. 
XXXX has a different amount reported. 
XXXX has a different report amount reported, but all 3 show that since Credit Acceptance chose to Give my title { Repossess } the vehicle of mine, that its has failed to Properly by federally required law report that repossession, and / or close account place accurate balance information that I owe after repossession of sale / Gifting/ title release for repairs, but In Fact has continued to work in an unlawful manner to damage intentionally my credit report by placing 120 day late payments on to my report for over 7 years on purpose, and against federal law in such as a Lender/ Loan/ Finance Corporation is not allowed to do, This corporation has for over 7 years damaged me by its fraudulent reporting and deceptive omission of properly reporting it amount it has sold the vehicle for, and failed to report that to the credit bureaus the final balance I would in fact owe " if '' any.

I am seeking relief for these Federal Violations committed on the behalf of Credit Acceptance asking it to be completely removed from my report and seeking Monetary relief in damages from these Violations .Requesting an Investigation into this Fraudulent activity by a Lending/ Loan/ Finance Corporation Know as Credit Acceptance Corporation of XXXX MI XXXX 

Credit Acceptance stated to me yesterday the vehicle was " Unrepossessable '', { meaning the repair shop wouldn't release it to them } so they gave them my title and seems to feel that gives Credit Acceptance the Right to placed 120 day ; late payments to my credit report with all 3 major bureaus.

Today I received a call from Credit Acceptance Complaint Reprecentive Specialist named XXXX XXXX, she stated that " Credit Acceptance has the right to repossess or not! '' Making the fact that Credit Acceptance did not physically pick up, but in fact did convey my title for repossession purpose to XXXX XXXX XXXX XXXX service allows Credit Acceptance to commit Federal Violation I requested to speak with a Legal Council for Credit Acceptance Corp. and was denied 4 times on a recorded call with XXXX XXXX, she continued to state that Customers can not speak with Credit Acceptance Corp. Legal team or Legal Council , But she did state that she will speak with CFPB if contacted although she is not the legal she is a complaint specialist, and refers to she has the legal right to continue to ding my report for late payment although they are aware it was repossessed for me. 

NOTE ; Attached documents showing my was paid into XXXX of XXXX credit report in good standing, also the attached VIN # of vehicle for reference to type of vehicle was XXXX XXXX XXXX XXXX full size Automatic full leather interior Rear Heated seats, Rear Air conditioning, 3rd row seating 4x4 I was Civilly violated, Federal Law was vacated by Loan/ Lending Financial " aka '' Credit Acceptance Corporation

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