Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CFPB Escalated Dispute XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX | Phone : ( XXXX ) XXXX Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Escalated Complaint and Request for Deletion of Inaccurate/Unverified Accounts I am submitting this formal complaint regarding the continued inaccurate and unverifiable reporting of multiple accounts on my credit reports. I have previously disputed these items, yet they remain, despite clear errors, duplications, and lack of proper validation. This is a violation of the FCRA and FDCPA. 
I am also experiencing ongoing financial hardship due to a house fire, divorce, and my role as the sole caregiver for my XXXX  daughter. These circumstances make it critical that my credit reports reflect only accurate, verifiable information.

I respectfully request that the CFPB investigate these accounts, require full validation, and if the furnishers can not provide it, delete these items entirely from all credit bureau files. 
Disputed Accounts XXXX XXXX XXXX {$1900.00} Collection - Reporting as 'Open ' which is inaccurate for a collection, missing account type, duplicate dispute remarks. No proper validation has been provided despite previous disputes. Request immediate deletion. 
XXXX XXXX XXXX XXXX {$17000.00} Balance, 50 Missed Payments - Severe derogatory reporting including 50 late payments. Payment history contains errors and lacks validation. Account should be removed due to non-compliance and inaccurate reporting. 
XXXX XXXX XXXX  2 Closed Charge-Offs ( {$500.00} + {$220.00} ) - These accounts continue to report inaccurately post charge-off with incorrect balances and dates.

Request deletion for failure to comply with FCRA accuracy requirements. 
XXXX XXXX Closed XX/XX/XXXX - This account is outdated, inaccurately reported, and should no longer be impacting my file.

Request deletion as unverified/obsolete. 
XXXX XXXX XXXX XXXX XXXX 2 Closed Accounts - Duplicate reporting across two tradelines for the same obligation. Request deletion for duplication and inaccurate reporting. 
Hard Inquiries XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) - These inquiries were not authorized or initiated by me. Request immediate deletion as unauthorized inquiries.

Requested Action : 1. Require full validation from the furnishers of the above accounts.

2. If validation can not be provided, delete these accounts from all credit bureau records.

3. Remove unauthorized hard inquiries.

Please note that continued inaccurate reporting after disputes violates FCRA 611 and FDCPA 809. If these errors remain, I will consider further legal remedies.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX

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