Consumer complaint received 2021-11-16
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The Fourth Amendment stands for the principle that the government generally may not search its people or seize their belongings without appropriate process and oversight. my vehicle was illegally taken. And the company is still using and selling my information without my consent and still can not provide proof that I allowed or gave permission for my signature or information to be used. In the previous complaint i sent the company stated in there response that the account was " 180 days past due '' the company have not reported anything on this account since XXXX ( XXXX XXXX ) the day a payment was last posted but it shows on my credit file that the last payment was posted XX/XX/XXXX and the payment status is 150 days past due. on my credit file it states on the account that -3 % of this " loan '' was paid how can it be listed as -3 if its still in a positive standing? Also it states that I have made 50 % of these payments on time. The company states that they are accurate on reporting and its clear they're making mistakes on their reports. 

According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been placed since the month of XX/XX/XXXX. 

this account is a charge off you cant collect a debt from a charge off the account information was suppose to be sent to the irs and has not been.

the company is in violation of the following :. 18 U.S. Code 241 - Conspiracy against rights. A demand of cease and desist. 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information ..4th amendment .fair credit reporting act .congressional findings and statement of purpose .15usc1681b permissible purpose of consumer reports .15usc1681c requirements relating to information contained in consumer reports An agency has the affirmative responsibility to try to collect delinquent debts that are owed to the agency, or referred to the agency for collection. However, at some point in the collection process it may become evident that a debt is uncollectible, and it may be appropriate to terminate collection action, and/or writeoff the debt.

An agency fulfills its affirmative responsibility to try to collect delinquent debts by engaging in active collection. Active collection means that the debt is being collected through the use of all appropriate debt collection remedies, including, but not limited to, demand letters, credit bureau reporting, offset, garnishment, foreclosure, litigation, and referral to the Department of the Treasurys ( Treasury ) Bureau of Fiscal Service ( Fiscal Service ) for collection ( known as cross-servicing ). See Chapter 6, Delinquent Debt Collection.

Termination of collection action occurs when it appears [ to an agency ] that no person liable on the claim has the present or prospective ability to pay a significant amount of the claim or the cost of collecting the claim is likely to be more than the amount recovered. See 31 U.S.C. 3711 ( a ) ( 3 ). Termination of collection action is a decision to cease active collection action on a debt, in accordance with criteria set out in the Federal Claims Collection Standards, because such action is not economically worthwhile or is otherwise inappropriate. Suspension of collection action occurs when an agency decides to temporarily cease collection action.

I do not owe this alleged debt and for the 4th time i am demanding for it to be removed from my credit profile

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