Consumer complaint received 2019-12-01
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Since XXXX of XXXX I have been filing over 5-10 complaints of issues with your assistance and its been marginal progress as of today. Just recently I received resolution or investigation completions of my reporting of XXXX   XXXX XXXX  XXXX  and Credit Acceptance Corporation. Separate or attached complaints will be completed. 

Credit Acceptance corporation filed a lawsuit against me in XXXX in XXXX due to me returning XXXX or XXXX XXXX XXXX that they sold at a loss without providing terms of sale. Default judgement was entered in XXXX without my knowledge. Lawsuit was dismissed or cancelled due to it being included in XXXX - Chapter XXXX filing that was discharged around XX/XX/XXXX. Issue is that anything after the lawsuit is charged off and it stops reporting because it's no longer an active account. Since the bankruptcy these two companies have updated and included more predatory information other than the account was included in bankruptcy. They have monthly activity for a closed or charged off account, I think that's counter-intuitive, legal or ethical practice. It's intentional and predatory and should be illegal, if not already so. Additionally, from XX/XX/XXXX to XX/XX/XXXX they updated Failed to Pay - FP - but for the month of my Chapter XXXX filing they have negative - N. I  would like the account deleted because since my initial complaints since XX/XX/XXXX they have not acted in an ethical and fair manner probably in accordance with the FCRA, stress being placed on " FAIR ''. 

XXXX  XXXX  acknowledges that the account in now in bankruptcy, however my initial complaints inclusive of your organization have still gone ignored as they have my status of my discharged auto loan as : " Status : Now paying / was a charge-off '' .This information is false or fraudulent as car was never charged off and never received paperwork to this status and I have not made a payment since XXXX or XXXX of XXXX. Car re-affirmation agreement was rescinded and officially recognized my Judge XXXX on XX/XX/XXXX. The month of XXXX has retroactive reporting stating the car was 90 days late, reaffirmation agreement was accepted in XXXX. Account could not be late at this period of time and XXXX and XXXX has - FP - failed to pay, but you have more contradictory information being reported, " Late payments : XX/XX/XXXX '' there was no payment being made in XXXX. Payments were never made due partially to the fact that XXXX XXXX XXXX XXXX nor XXXX XXXX reached out to communicate proper channels to remit payment during bankruptcy. I want the account deleted as part of my dispute resolution request. 

It is my opinion that both of these companies have sought to delay and not act in accordance with the FCRA Act. It is fact that the issues previously mention have been previously brought to you to adjudicate or mediate to modest gains. It is my opinion the two companies have sought to act unethically, professionally and out of accordance with FCRA with the semantics of updating negative information to their discharged accounts via bankruptcy in the comments and monthly activity on my credit report that would hinder credit repair and a good FICO score. It is my opinion which is rooted in fact that XXXX  has reviewed the same complaints many times on many occasions and they have not enforced the FCRA and informed XXXX   XXXX and Credit Acceptance Corporation  that the reporting is unfair and contradictory. Therefore, I am led to believe that XXXX  is acting in conjunction with the companies and agrees with their unethical behavior and is culpable in this matter. As I stated, due to my previous complaint with CFPB I received a paper form of my credit report showing positive changes, however some 3-5 days later XXXX XXXX website is showing no change. CFPB : please assist me in deleting these accounts as my two former creditors ( XXXX  XXXX and Credit Acceptance Corporation ) with the assistance with XXXX  continue to violate the FCRA after I have legally absolved myself of these debts.

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