Consumer complaint received 2024-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I recently informed CREDIT ACCEPTANCE CORP along with several other companies that I had been a victim of identity theft. XXXX XXXX from XXXX XXXX called me and spoke with me in great detail about the case and assured me that she would take care of it. 

In the call she asked for proof that I didn't live in Hawaii at the time the vehicle was purchased, which was XX/XX/XXXX. In XX/XX/XXXX I was living in XXXX, NV and provided proof of this in form of renters insurance. I also have many witnesses both personal and via social media as I'm a full time XXXX and XXXX creator, and my entire life in recorded online. 

On XX/XX/XXXX I received a reply via the CFPB website stating that they listened to phone calls, checked email addresses etc. and they conclude the loan is mine. 

Someone who had identity theft will clearly have someone using as much of their information as possible, to obtain goods or services. So having my information in their system is no surprise. 

What is a surprise to me is the fact this company did NO investigating into where the car is, who has the car or anything else. I however hired a private XXXX, and the following information was uncovered ( which was provided to XXXX XXXX as well ). 

XXXX. ) I left Hawaii in XX/XX/XXXX and moved back to XXXX XXXX. 
XXXX. ) In XXXX I moved to XXXX, Florida with my mother. 
XXXX. ) I have not step foot on Hawaii since XX/XX/XXXX XXXX. ) I did not give anyone permission to use my credit to purchase a vehicle. 
XXXX. ) I called The XXXX XXXX XXXX XXXX XXXX XXXX to inquire about vehicles in my name. I was given the XXXX and current license plate of the vehicle. It was discovered the license plate was changed the SAME DAY the car was registered, and CREDIT ACCEPTANCE doesn't have the current plate. The current plate is XXXX Furthermore the license plate has been expired since XX/XX/XXXX. And the safety expires XX/XX/XXXX. 
XXXX. ) I ran a XXXX on the vehicle and found the car has been serviced at the same dealership since new ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ) It was serviced on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX. ) I called XXXX XXXX and spoke with a few people in service. I was told that each time the car is brought in, its a heavy-set XXXX female. I was also given an address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told the name they have is " XXXX '' but no last name. 
XXXX. ) When I was speaking with XXXX XXXX, she asked me about XXXX XXXX XXXX and I informed her this was about fake account that was set up in my name and I'm currently working with City and County of XXXX to have this closed, as I do NOT own any businesses in Hawaii, nor do I reside there. 

This is my XXXX attempt to have this account closed and removed from my credit report. I'm currently looking to retain an attorney to file a lawsuit against CREDIT ACCEPTANCE and XXXXXXXX XXXX XXXX  XXXX where the vehicle was purchased from. If this account is not closed and removed I will be seeking damages to the full extent of the law.