Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX Non-Participation I, XXXX XXXX XXXX, acting as Trustee of the XXXX XXXX XXXX, do solemnly affirm under penalty of perjury that the alleged debt reported by Credit Acceptance Corporation was never entered into by the XXXX, nor has the XXXX ever received benefit, title, or ownership of the vehicle subject to the account in question. The vehicle was stolen, wrecked, and no insurance coverage was active. This account, still reported as OPEN and delinquent with a balance of {$17000.00}, is based on a contract that is null and void due to frustration of purpose and loss of collateral. 

XXXX. Notice of Dispute & Demand for Deletion To whom it may concern at Experian, TransUnion, and Equifax : This is a formal dispute under the Fair Credit Reporting Act regarding account reported by Credit Acceptance Corporation with an alleged balance of {$17000.00}. The original contract balance was {$11000.00}. The vehicle was stolen and wrecked in 2020, and no insurance was present. The contract was never assigned to, signed by, or reported under the XXXX XXXX XXXX XXXX XXXX. 

This account must be deleted or corrected immediately under XXXX U.S. Code XXXX. Failure to do so may result in a legal claim for damages. 

XXXX. Notice to Credit Acceptance Corporation To : Credit Acceptance Corporation This letter serves as a formal notice and demand for immediate deletion of any and all credit reporting tied to the account opened on XX/XX/year>, last paid on XX/XX/year>, and now reported with an erroneous balance of {$17000.00}. 

You are not authorized to report this account under the XXXX of the Trustee, as the contract is now legally assigned to XXXX XXXX XXXX ( XXXX : XXXX ). Reporting this account post-incident constitutes a form of consumer harm, and you are hereby directed to remove the tradeline, cease and desist reporting, and provide confirmation within XXXX  days. 

XXXX. Reclamation of Identity & Labor Affidavit I, XXXX XXXX XXXX, hereby declare all income, labor, and identity-related obligations connected to my SSN from the age of XXXX forward are contractually assigned to XXXX XXXX XXXX XXXX Any reporting or financial use of those identifiers without consent from the XXXX is unauthorized. Credit Acceptance Corporation has no standing contract with the XXXX, and is hereby rebutted for fraud, misrepresentation, and wrongful reporting. 

XXXX. {$10000.00} XXXX XXXX Letter ( Notice of Harm ) This serves as a Notice of Harm and Claim of Damages totaling {$10000.00} due to emotional distress, reputational injury, and impaired credit caused by continued reporting of a falsely maintained and inflated auto loan account. The XXXX demands you remove the account and cease reporting within XXXX calendar days. Non-compliance will result in civil action being filed.

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