Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
XXXX. Plaintiff is ( Me ) XXXX. Defendant, XXXX XXXX XXXX XXXX XXXX, is a corporation organized and existing under the laws of Illinois, with its principal place of business at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
XXXX. Jurisdiction is proper in the XXXX XXXX XXXX XXXX XXXX pursuant to XXXXXXXX XXXX XXXXXXXX and applicable Illinois law because Defendant transacts business within the State of Illinois, and the events giving rise to this cause of action occurred within XXXX XXXX. 
XXXX. Venue is proper in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to XXXX XXXX XXXXXXXX because the transaction at issue, including the purchase and financing of the subject vehicle and Defendants subsequent actions and omissions, occurred within the geographic boundaries of the XXXX XXXX, and Defendant conducts business there. 
XXXX. On or about XX/XX/XXXX, XXXX was involved in a motor vehicle accident. The vehicle was rendered a total loss. 
XXXX. On or about XX/XX/XXXX, the vehicle was officially deemed a total loss. 
XXXX. On XX/XX/XXXX, XXXX notified his insurer, XXXX XXXX XXXX, of the total loss. 
XXXX. A settlement check in the amount of {$3800.00} was issued by the insurance company shortly thereafter. 
XXXX. On XX/XX/XXXX, XXXX contacted XXXX to inquire when the final payment would be made to XXXX XXXX, the lienholder on the vehicle. 
XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX made multiple phone calls to the dealership seeking confirmation or updates on the status of the insurance payment and payoff balance : XX/XX/XXXX called the dealer requesting an update. 
XX/XX/XXXX Another follow-up call was made. 
XX/XX/XXXX again called requesting a status update. 
XX/XX/XXXX attempted contact with no response. 
XXXX. On XX/XX/XXXX, XXXX and his father, visited the dealership in person to discuss the matter. Defendants representatives asserted that no payment had been received. 
XXXX. That same day, XX/XX/XXXX, XXXX also contacted XXXX XXXX XXXX XXXX to trace the insurance check and locate the funds. 
XXXX. On XX/XX/XXXX, XXXX XXXX informed Plaintiff that the GAP claim refund had been issued and sent to XXXX XXXX XXXX. 
XXXX. On XX/XX/XXXX, Plaintiff received confirmation from Gold Standard that the check had been cashed by XXXX XXXX XXXX. 
XXXX. Despite this, XXXX continued to deny receipt of the payment when XXXX followed up with them on or after XX/XX/XXXX. 
XXXX. The finance company, XXXX XXXX, confirmed to XXXX that it never received the final payment due from the insurance XXXX settlement. They advised XXXX that the matter must be handled through the dealership, as they could not discuss it directly with him or provide a copy of the processed check. 
XXXX. To date, the Defendant has not confirmed transmission of the funds to the lienholder, and the vehicle loan remains unresolved despite the insurance proceeds being issued and cashed by Defendant.

Company response to consumer: Closed with explanation