Consumer complaint received 2022-01-24
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Protection Bureau, I am writing to you in regards to a case of inaccurate information being reported on my credit report and the refusal of both the credit bureaus and the creditor- Credit Acceptance to correct or clarify the reported status of such account on my credit report. 
The current status reported on my credit report has negative implications that impact me both financially and psychologically. 
I am contacting you as a last resort to help me mitigate this error with the creditor. 
Below are the steps i attempted to take to correct this matter and I documented them as follows : Initially, I was notified of an account on my credit report being 180 days past due. Knowing I did not have a current account 180 days past due I submitted an initial inquiry to the credit bureaus for clarification of the status of this account. it was brought to my attention that this was the same account as a derogatory car loan that I cosigned for my sister in XX/XX/XXXX. However the account was closed and marked as collection. I have contacted the credit bureaus on XXXX XXXX to request to correct the inaccuracy of this account showing open and 180 days past due since XXXX of XXXX but to no success. 
I have contacted the original creditor by means of certified mail XX/XX/XXXX USPS tXXXX # XXXX to ask to correct the status of this account ( this account is not an open account nor is 180 days past due ) I received no response. On XX/XX/XXXX I made a call to creditor to inquire the outcome. I have been told by the customer service representative in collection department that they did receive my request and response has been sent to a different address not the one I clearly indicated in the letter to be contacted at. Led me to believe no one has actually red through letter or paid any attention what was asked from them. After clarifying the address issue I again relayed the violation Fair Credit Reporting Practices regarding the status of the account changed from Collection status to a OPEN ,180 days late from XX/XX/XXXX through current day ( XX/XX/XXXX ) without any arrangements or payments made. 
They sent me a form to fill out and to send to their reporting dispute department listing specifically what I dont agree with and request to explain or correct. 
I filled out the form with complete and detailed statements that the account status can not be reopened without any arrangement actually made. Ive mailed it back to the creditor on XX/XX/XXXX via certified mail tracking number # XXXX On XX/XX/XXXX I got a really general and short response dated XX/XX/XXXX stating Credit Acceptance is in receipt of your credit reporting dispute. Based on our investigation, we have concluded that the information provided by Credit Acceptance to the credit reporting agencies is complete and accurate and doesnt require modification, deletion, or other correction Without any detailed explanation or any specific details regarding sudden change of status. In fact if you look at the Date of Status it has not been updated since XX/XX/XXXX at all. 
These actions do affect my credit as it looks like I have an open car loan when in fact its been closed. 
This is outright a bullying method to force people to contact you and try to collect for debt that has passed any legal statute of limitations.

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