Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Complaint Regarding Inaccurate Late Payment Reporting in Violation of Consumer Protection Laws Dear XXXX  I am submitting this formal complaint against [ Credit Acceptance ] and ALL the credit reporting agencies involved ( XXXX XXXX XXXX XXXX XXXX  XXXX for inaccurately reporting a late payment on my credit report, which violates my rights under federal consumer protection laws. 
Details of the Issue : Creditor Name : Credit Acceptance Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX Reporting Agencies Involved : XXXX Nature of the Error : The payment was made on time, yet it was reported as late. 
As a consumer, I am protected by federal laws that ensure the accuracy, fairness, and privacy of my credit information. These laws include the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Fair Credit Reporting Act ( FCRA ) Key Rights : 1. Right to Accurate Information Credit reporting agencies ( CRAs ) must ensure that all information in your credit report is accurate and up to date. Reporting inaccurate late payments violates this right. 
XXXX. Right to Dispute Errors You have the right to dispute any incomplete or inaccurate information in your credit report. Once a dispute is filed, the CRA must investigate and correct or delete any errors within 30 days. [ XXXX. Right to Be Notified of Adverse Actions If a creditor uses your credit report to deny credit, employment, or insurance, they must notify you and provide the name of the CRA that supplied the report. 
XXXX. Right to Access Your Credit Report You are entitled to XXXX free credit report every 12 months from each of the XXXX major CRAs ( XXXX XXXX XXXX ). You may also receive additional free reports under specific circumstances, such as being denied credit or being a victim of identity theft. 
XXXX. Right to Have Inaccurate Information Removed If information can not be verified or is found to be inaccurate, it must be corrected or removed from your credit report. 
XXXX. Right to Privacy and Consent Your credit information can only be accessed by entities with a legitimate need, such as lenders, insurers, or employers ( with your consent ). 
Truth in Lending Act ( TILA ) Key Provision : XXXX Rule for Late Payments Under TILA, a creditor can not treat a payment as late or report it as such unless the billing statement was sent at least 21 days before the due date. Reporting a late payment without meeting this requirement is a violation of your rights. 
Violations of Consumer Protection Laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Under this statute, credit reporting agencies are required to : o Conduct a reasonable reinvestigation within 30 days of receiving a dispute. 
o Delete or correct any information that is found to be inaccurate or unverifiable. 
o Notify the consumer of the results and provide a free updated credit report.

2. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information ( creditors ) must not report information they know or have reasonable cause to believe is inaccurate.

3. FCRA 15 U.S.C. 1681s-2 ( b ) Upon receiving notice of a dispute from a credit bureau , furnishers must : o Investigate the disputed information.

o Review all relevant information provided by the credit bureau.

o Report the results to the bureau.

o Correct or delete inaccurate or unverifiable information.

4. Truth in Lending Act ( TILA ) 15 U.S.C. 1666b A creditor may not treat a payment as late unless the billing statement was mailed or delivered at least 21 days before the due date. 
Requested Resolution : Immediate removal of the inaccurate late payment from all credit reports.

Written confirmation of the correction.

Assurance that the error will not reappear.

Review of internal procedures to prevent future violations.

Supporting Documents : Copy of the disputed credit report.

Conclusion : This inaccurate reporting has negatively impacted my credit score and financial standing. I am exercising my rights under the FCRA and TILA to request a correction. I respectfully ask the CFPB to investigate this matter and ensure compliance with federal law. 
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