Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding a fraudulent auto loan opened in my name. " The lender closed the fraud investigation without ever contacting me and relied solely on the dealership. This is not a reasonable investigation. I have evidence including recorded conversations and proof of false application data that were not reviewed. '' Additionally, I have email evidence from the dealership showing that I was sent a generic document link and instructed to sign without explanation. The email does not clearly disclose that I was entering into a financial loan agreement or assuming liability. This supports my claim that I was misled and did not provide informed consent. I relied on the dealerships statements that I would not be responsible and that this would not affect my credit. Furthermore, the loan application contains false employment and income information that I did not provide, which raises serious concerns about how this loan was approved. I was contacted by a dealership and told they only needed my name temporarily to help another individual obtain a vehicle. I clearly informed them that I had no income and could not help. I was explicitly told that I would not be financially responsible and that my credit would not be affected. I was then sent a link and instructed to sign without reviewing the documents. I was misled and did not understand that I was signing for a loan. I only entered my name, Social Security number, and signature. I did not provide any employment or income information. However, the loan application contains false and fabricated employment and income details that I did not authorize. I never received, possessed, or used the vehicle associated with this loan. The vehicle is not registered in my name and was given to another individual ( XXXX XXXX XXXX, who took possession of the car. I believe my identity and credit were used to fraudulently obtain financing for another person, potentially with the involvement of the dealership. I am requesting : - Immediate investigation of this account as fraud - Suspension of all collection activity - Removal of this account from my credit report - Copies of all documentation, including application data, e-signature records, IP logs, and dealership records I have supporting evidence, including emails instructing me to sign without explanation. I am also filing reports with law enforcement and other regulatory agencies. Additionally, I have email evidence from the dealership showing that I was sent a generic document link and instructed to sign without explanation. The email does not clearly disclose that I was entering into a financial loan agreement or assuming liability. This supports my claim that I was misled and did not provide informed consent. I relied on the dealerships statements that I would not be responsible and that this would not affect my credit. Furthermore, the loan application contains false employment and income information that I did not provide, which raises serious concerns about how this loan was approved.

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