Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Complaint:
I was just denied an extension of credit because of SEVERAL inaccurately furnished late payments by CREDIT ACCEPTANCE. These inaccurately furnished late payments are an invasion of my right to privacy and is causing me severe XXXX and extreme XXXX. XXXX has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Credit Acceptances failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to this fraudulently furnished late payment without my lawful authority. XXXX has also stated that unfair credit reporting undermines public confidence, which XXXX has made clear, is essential to the continued functioning of the banking system. Credit Acceptance is reporting my transactions and experiences, and this is a violation of my consumer rights and the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), reported information can not be only transactions and experiences between the consumer, I, and a company, Credit Acceptance. A late payment is a transactional history. XXXX clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! These late payments are clearly a billing error. Take notice that I am aware that if a finance charge is involved then there should be no " late payments '' .I am also aware that a consumer must be given a chance to direct whether they want the information about the transaction to be reported or not. I was never given the opportunity to opt out of having this reported information about CREDIT ACCEPTANCE XXXX. Pursuant 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Pursuant to 15 U.S. Code 1602 ( l ), a 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. I partook in a consumer credit transaction and my social security card was used to obtain property on credit, which is my right. If Credit Acceptance can not provide me with proof such as a tracking number or a certified mail return receipt bearing my wet signature that THEY adopted reasonable procedures to ensure my periodic statement was delivered to me no later than 21 days before the payment due date, these alleged late payments must be removed. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Credit Acceptance, as the creditor, may not collect any disputed amount. As a federally protected consumer, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. Also, do not add any more of my transactional history to my consumer reports.

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