Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from a dealership in XXXX, XXXX  and the retail installment contract was assigned to Credit Acceptance Corporation. I paid a {$6500.00} down payment at the time of purchase. The contract date was XX/XX/XXXX and the XXXX was approximately XXXXXXXX XXXX 

Almost immediately after purchase, the vehicle began experiencing severe problems and I discovered material facts about the vehicle that were not disclosed at the time of sale. The vehicle showed extensive undercarriage corrosion and structural/suspension issues consistent with severe water exposure. On XX/XX/XXXX, the vehicle was inspected at XXXX XXXX and the work order documented major suspension/steering issues and referenced subframe-related repairs with an estimated repair cost of approximately {$2100.00}. The vehicle was unsafe and unreliable. 

I also later learned the vehicle is an imported XXXX vehicle ( manufacturer/import labels show XXXX XXXX/ XXXX information ), and vehicle-history information shows the last reported XXXX as XXXX XXXX XXXX XXXX, but the car was sold to me in a different XXXX ( XXXX XXXX ), suggesting undisclosed repaint/body work. Vehicle-history records also show listing activity around XX/XX/XXXX in different locations ( including a listing in XXXXXXXX XXXX  and XXXXXXXX XXXX ) prior to my purchase. 

I made loan payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( approximately {$290.00} ), but I have disputed the vehicle condition and the loan since XXXX because the vehicle was not as represented, was unsafe, and had undisclosed history/condition problems. 

Additionally, GAP coverage and a warranty were purchased at the time of sale, and I was later told the vehicle was a total loss, yet the loan balance and negative credit reporting continued and I have not received a clear accounting showing proper insurance and/or GAP application, credits, or how the remaining balance was calculated. 

I am requesting that Credit Acceptance provide full documentation and accounting to verify the debt and the accuracy of credit reporting, including : complete payment history, itemized balance history, insurance and XXXX claim records and application, total loss documentation, and any repossession/auction records if applicable. I also request correction or deletion of inaccurate credit reporting and a resolution consistent with the vehicle being misrepresented/unsafe and the total loss/GAP coverage issue. 
I have supporting documents ( inspection work order, photos, vehicle-history documentation, payment proof ) exceeding CFPBs upload limit and can provide them upon request or through an alternate method. 
Additional inspection documentation ( XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX ) available upon request.

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