Consumer complaint received 2022-04-12
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This started back in XX/XX/2021 I called credit acceptance a vehicle loan company to inform them I was having issues due to the Covid 19 problems with my pay being shorted they did not want to help other than tell me I could catch up by paying more the next three payments. That doesnt help when your pay gets cut. I then found a statement form them on their website explaining that they were not reporting lates if you were affected by the Covid 19 issues. I contacted them they were not very helpful I then contacted them every month since to report the credit the way they stated they would on the webpage. I then notified the three credit reporting agencies XXXX XXXX and experience about the issue of reporting wrong information they said they had the correct information being reported by the creditor no dispute was necessary. I then wrote all three reporting agencies and credit acceptance and even had print outs and credit report statements added in these letters showing what I was reading and seeing and they would not do anything about it. XXXX did change the late pats to a freeze at on time during that time so cant complain about them transunion has said they do not investigate weather the information is correct or not other than contacting the creditor I explained that thats not investigating that is taking one sides word over the whole story and going with it since they pay to be reporting that is not correct. XXXX again has lost the dispute and wants to have me send another. Now XXXX says they had made a mistake and is further investigating the dispute and just wants to add a statement that I was effected by Covid I said thats not good enough if the creditor says they are gon na do this they need to do this for everyone that was effected I have dates names of people spoke to and times of conversations dates and information sent via mail out and of mail being excepted at these reporting agencies and credit acceptance. I am tired of bug greedy corporations and these credit reporting agencies picking on people not correcting information especially in these times that people are reliant on their stupid scores for everything from rent to insurance to utilities even sometimes being given a job or denied a job. These scores since they think they are so important need to be reflected as correctly as possible and they dont seem to care. My score dropped on XXXX XXXX alone from a XXXX in XX/XX/2021 to a XXXX last month. I have not been late on anything nor have I applied for any credit everything is basically the same from that time till now except my credit acceptance account. Which again needed help with but they refused to do anything but let me be five days late then bam got a 30 day and a 60 day late all the way till last month. Now they are calling every hour and not answering the other line they wont leave messages but I have a phone log of them calling every hour or two same day for several days in a row. Illegal as all can be.

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