Consumer complaint received 2021-06-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I the consumer a natural person demand Credit Acceptance remove consumer account from XXXX  XXXX  XXXX  credit report on me as the consumer immediately As the consumer I never authorize XXXX  XXXX  XXXX  to share my nonpublic personal information Credit Acceptance you in violation of my consumer rights sharing consumer credit transaction with XXXX  XXXX  XXXX  the are nonaffiliated third party Pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party they are not a government entity or government subdivision XXXX  XXXX XXXX  they are private own entity. Congress made it know to the consumer they assumed a vital role Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. No government authorize XXXX XXXX XXXX  to take on vital roles. XXXXedit Acceptance you will be in violation under federal law. Congress made it know to a consumer that you will have to mail 21 days before the payment due date.Credit Acceptance you never did the letter you sent through CFPB on XX/XX/2021 XXXXredit Acceptance you never said anything about you notify consumer a natural person 21 days before the payment due date. Consumer don't see how because you said Credit Acceptance about being 4 months late but you never said you notify the consumer on the late payments.Pursuant to15 U.S. Code 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The credit card that was use in this consumer credit transaction my social security card congress made it know any card is credit card .15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.Show me proof that you notify the consumer of the late payments send the proof through the CFPB. Congress made it know to a consumer finance charge is the sum all charges. In a finance charge dose not include cash transaction cash was took in this credit transaction.15 U.S. Code 1605 - Determination of finance charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 

( 2 ) Service or carrying charge. 

( 3 ) Loan fee, finders fee, or similar charge. 

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I the consumer will report XXXX XXXX XXXX to DVM and will send the contract in violations of the contract. The contact fraudulent that mean the repossession illegal. There no statute limitations on fraud. remove your account on the consumer immediately Credit Acceptance from XXXX XXXX XXXX credit report agencies now. Credit Acceptance you owe me {$10000.00} for violating my consumer rights as federal protected consumer send me my check immediately I will send a invoice to you company.

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