Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
AFFIDAVIT OF TRUTH, CONSUMER DISPUTE & NOTICE OF LIABILITY Affiant : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : [ Insert Date ] RE : FORMAL DISPUTE OF AUTO LOAN ACCOUNT Creditor : Credit Acceptance Corporation Account Number : XXXX AFFIDAVIT I, XXXX XXXX XXXX XXXX, being of lawful age and competent to testify, hereby declare under penalty of perjury that the following statements are true and correct : XXXX. FORMAL DISPUTE OF ACCOUNT I formally dispute the accuracy, completeness, and legal enforceability of the above-referenced account being reported on my consumer credit file. The account reflects a balance of approximately {$19000.00} and severe delinquency up to XXXX days past due, which I do not acknowledge as accurate or properly verified. XXXX. MATERIAL FACTS DOWN PAYMENT & BALANCE DISCREPANCY At the time of purchase, I made a {$3000.00} down payment toward the vehicle, a XXXX XXXX XXXX, which had an approximate value of {$20000.00}. Despite this substantial initial payment, the creditor is reporting a balance of approximately {$19000.00}, which is materially inconsistent and raises serious concerns regarding : Improper accounting Undisclosed fees or finance charges Potential misapplication of payments This discrepancy constitutes a direct challenge to the accuracy and integrity of the reported balance. XXXX. VEHICLE FAILURE, TOTAL LOSS & INJURY The vehicle became inoperable due to a turbo misfire, rendering it effectively totaled and unusable. This event resulted in : Physical injury Loss of the collateral securing the loan Financial hardship affecting my ability to make payments XXXX. INSURANCE FAILURE At the time of the incident, I maintained coverage through Root Insurance, which failed to : Tow or secure the vehicle Inspect or assess the damage Act in good faith to mitigate loss This failure contributed materially to the damages and resulting account status. XXXX. ELECTRONIC SIGNATURE VALIDITY The agreement was executed electronically. Under the Electronic Signatures in Global and National Commerce Act, I demand proof of : My informed consent to electronic records A verifiable audit trail of the signature Proof the signature is attributable to me My ability to access and retain the contract Absent such proof, enforceability is in question. XXXX. FCRA VIOLATIONS INACCURATE & MISLEADING REPORTING Under the Fair Credit Reporting Act, all reported information must be accurate and complete. The reporting is misleading because it fails to account for : The {$3000.00} down payment The total loss of the vehicle Insurance-related interference The disputed status of the account XXXX. DUTY TO REINVESTIGATE CASE LAW Pursuant to 15 U.S.C. 1681i ( a ), a reasonable reinvestigation is required. Supporting case law includes : Cushman v. Trans Union Corp. Dennis v. BEH-1 LLC Richardson v. Fleet Bank These cases establish that failure to properly verify disputed information constitutes a violation. XXXX. DEMAND FOR VALIDATION I demand full validation under : Truth in Lending Act Fair Debt Collection Practices Act Including : Original contract and disclosures Full accounting ledger showing application of the {$3000.00} down payment Itemization of all fees and interest Proof of legal standing XXXX. MATERIAL MISREPRESENTATION The reporting of a near-full balance despite a substantial down payment and loss of collateral constitutes : Potential misrepresentation Inaccurate credit reporting Failure to properly account for payments XXXX. CONDITIONAL ACCEPTANCE I conditionally accept this obligation upon proof of claim. Absent such proof, I do not acknowledge this debt. XXXX. DEMAND FOR DELETION OR CORRECTION If this account can not be verified with complete and accurate documentation, I demand : Immediate deletion from all credit reporting agencies OR Correction to reflect : Accurate balance Proper accounting of down payment Disputed status XXXX. NOTICE OF LIABILITY Failure to comply will result in pursuit of remedies under : FCRA ( 15 U.S.C. 1681n, 1681o ) Claims for negligent and willful noncompliance Monetary damages and legal costs XXXX. AFFIRMATION I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct.

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