Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Subject : Willful Inconsistent Credit Reporting and Retaliatory Threat by Furnisher Company : Credit Acceptance Corporation My Account Number : XXXX To the Consumer Financial Protection Bureau, I am filing a formal complaint against Credit Acceptance Corporation for willfully inconsistent credit reporting and for making a retaliatory threat after I identified their inconsistency. 

XXXX. Inconsistent and Inaccurate Reporting : I dispute a XXXX late payment reported for XXXX XXXX Credit Acceptance 's stated policy is to report an account delinquent when " all or part of a monthly payment is at least XXXX  days overdue, '' with the XXXX mark being the second day of the following month. 

However, Credit Acceptance applies this policy arbitrarily, making the XX/XX/XXXX report inaccurate and misleading. The proof is in their own payment history : XX/XX/XXXX : The payment due XX/XX/XXXX, was short by {$0.00}. This unpaid balance was still outstanding on the XXXX mark, XX/XX/XXXX. Per their strict policy, this should have triggered a XXXX late payment report for XX/XX/XXXX. It did not. 
XX/XX/XXXX : The payment due XX/XX/XXXX, was short by {$260.00}. This unpaid balance was still outstanding on the XXXX mark, XX/XX/XXXX. They reported a XXXX late payment. 

There is no material difference between these XXXX scenarios regarding the application of their policy. A balancewhether {$0.00} or $ XXXXwas unpaid on the XXXX mark. Reporting XXXX incident while ignoring the other is the definition of inconsistent and inaccurate reporting under the Fair Credit Reporting Act. It creates a profoundly misleading impression for anyone reviewing my credit history. 

XXXX. Retaliatory Threat for Disputing This Inconsistency : After I pointed out this inconsistency in a previous dispute, a Credit Acceptance representative by the name of XXXX XXXX to XXXX against me. I was told that if I continued to dispute the XX/XX/XXXX late payment, Credit Acceptance would " update '' my credit report to retroactively add late payments for the previous periods I cited ( like XX/XX/XXXX ). 

Threatening to willfully furnish historically inaccurate data to strong-arm a consumer into dropping a valid dispute is illegal, retaliatory, and a severe violation of the FCRA. I have the recorded conversation as proof.. 

XXXX Credit XXXX XXXX Bad Faith Response : In response to a previous CFPB complaint, Credit XXXX XXXX ignored the XX/XX/XXXX example, which is the most direct comparison. They instead focused on other months where the payment was made before the XXXX mark, which is not relevant to this specific claim. Their failure to address the XX/XX/XXXX discrepancy proves they are acting in bad faith and can not justify their inconsistent policy. 

Desired Resolution : I demand the CFPB compel XXXX XXXX to : XXXX. Immediately and permanently delete the inaccurate XX/XX/XXXX late payment from all credit bureaus to correct their inconsistent reporting. 
XXXX. Provide written, binding confirmation that they will not act on their threat to report fraudulent, historical late payments for XX/XX/XXXX or any other period. 
XXXX. Be held accountable for their retaliatory threats and willful failure to conduct a proper investigation into a valid dispute. I also plan on filing a complaint with the attorney general as well. This is my last attempt at resolving this matter without seeking legal counsel. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 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