Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC

Complaint:
Opened the account XX/XX/XXXX. They started reporting my account late or missing payments around XX/XX/XXXX. I have never been 30/60/90 days late on this account. Payments are due on the XXXX of each month with a 10 day grace period. I have been reported to credit bureau XXXX times as late or missing payments. I have my bank statements back to XXXX and each and every payment has been made and accounted for. On XX/XX/XXXX I went to a car dealership to get me another car. Once they pulled my credit report, I was told that my payment history on my existing car loan was horrible. I immediately called ACA to inquire about when has my account been 30/60/90 late and the answers that I received were all over the place. Every time I would correct her on something she would come up with something else. She eventually told me that I owed {$74.00} in late fees and that if I paid that then my account would be marked current. I continued to question her on the dates that my account was at least 30 days late and she went back to XX/XX/XXXX. She stayed that I didn't make the payment. When I gave her the date that the payment was made all she could say was I owed the late fees. Frustrated I told her that I would make the {$74.00} payment and that my account had better reflect that it was current which does nothing for the fact that all three credit bureau have info of 15 late or missing payments. I made the {$74.00} payment then on XX/XX/XXXX I received a letter from ACA stating that I now owe {$230.00} in late fees. Once again I called ACA at this point I can't even sign into my ACA portal account. I went back and forth with the agent asking how did I owe {$230.00} in late fees when I just paid {$74.00} for late fees on XX/XX/XXXX. She told me that the {$74.00} was for added to my XX/XX/XXXX payment because she said that I didn't make it. My XXXX payment was made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) so how could that be? She hungup on me. By the way my XX/XX/XXXX payment was also reported to the credit bureaus as 30 days late. I have and continue to dispute this with all three credit bureaus and the XXXX. My next step is to file a suit against ACA with an Attorney. Although I did manage to get me another car, I was able to trade the car financed thru ACA so I have to car payments and two insurance payments with no end to this night mare with ACA. The stress, frustration and aggregation that this is causing in ridiculous. ACA don't even report the accurate payment dates that I made my payments on. I know this is against the law and I will fight this to the end to correct what they have done wrong. I have included my payments on the 17 late reports and my bank account records showing when those payments were made. I also include a print out of what ACA has reported to the credit bureaus. None of my payments have gone past 30/60/90 days past the current payment date. I want my credit reports to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation