Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am demanding the immediate deletion of this account because Credit Acceptance Corporation is reporting, collecting, and furnishing information in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 602, 607 ( a ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( D ), 623 ( a ) ( 5 ), and 623 ( b ), which require maximum accuracy, full verifiability, and proper reinvestigation procedures, none of which were followed. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, 1692e, 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692e ( 10 ), 1692f, and 1692f ( 1 ) for misrepresenting the character, amount, and legal status of the debt, failing to report the account as disputed, and attempting to collect amounts not legally owed. They violated the Truth in Lending Act ( TILA ) including 15 U.S.C. 1605, 1635, 1635 ( b ), 1635 ( f ), 1640, 1644, and 1662, covering improper disclosures, inaccurate finance charges, misleading credit terms, unauthorized liability rules, and civil damages for noncompliance. Their conduct also violates the FTC XXXX XXXX ( 16 C.F.R. 433.1 ) which makes XXXX XXXX legally responsible for all claims and defenses against the seller, rendering any deficiency unenforceable if dealer misconduct or disclosure failures occurred. The repossession itself violates multiple sections of XXXX Article XXXX, including XXXX XXXX, which only permits repossession after default without breach of the peace or through a lawful court order ; any repossession involving intimidation, deception, unlawful entry, continuous repossession after objection, or any disturbance voids the entire repossession and eliminates any right to a deficiency balance. They further violated XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX by failing to provide proper pre-sale and post-sale notices, failing to conduct a commercially reasonable sale, failing to itemize sale proceeds, and failing to provide mandatory deficiency explanations, rendering the deficiency balance legally void and illegal to report. Their reporting also violates XXXX XXXX Reporting Standards for repossessions, including improper coding, inaccurate delinquency sequences, incorrect balance reporting after collateral XXXX, and incomplete required auto-loan fields. If a XXXX was filed or the creditor internally coded the debt as cancelled or XXXX, continued reporting or collection violates 26 U.S.C. 6050P, as the legal status of the debt becomes zero. These actions additionally violate the Consumer Financial Protection Act ( XXXX ) 12 U.S.C. 5531 and 5536, which prohibit unfair, deceptive, or abusive acts in consumer financial services. They further violate CFPB Regulation V ( 12 CFR Part 1022 ) concerning proper data furnishing, the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) for failing to provide required adverse action disclosures related to the repossession, and both the XXXX XXXX ( XXXX ) and FACTA through inaccurate handling and furnishing of consumer information. Because this account is inaccurate, unverifiable, illegally collected, improperly repossessed under XXXX XXXX, incorrectly disclosed under TILA, misreported under FCRA and XXXX, XXXX under 623 ( b ), potentially cancelled under XXXX rules, and furnished in violation of federal law, I demand immediate deletion of this repossession account from all consumer credit files with no reinsertion.

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