Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am writing in response to your recent correspondence regarding an account you claim is associated with me. Please be advised that I continue to dispute ownership of this account. 

My legal name is XXXX XXXX, and I have not changed my last name to XXXX. Any account or documentation reflecting that name is inaccurate. I have not signed any legal contract or agreement assuming responsibility for the alleged account in question. 

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you reinvestigate and verify the accuracy and ownership of this account. Additionally, under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of the alleged debt, including : A copy of any signed contract or agreement bearing my verified signature ; Documentation showing how this debt was legally assigned or transferred ; and Written proof that this debt is legally enforceable in my name ( XXXX XXXX ). 

I have not provided written consent for any sale, transfer, or assignment of this alleged account. Without such documentation, any continued collection or reporting activity may constitute a violation of both the FCRA and FDCPA.

I am willing to provide a copy of my Drivers License to confirm my legal last name and identity for verification purposes. Until this matter is properly validated and the requested documents are provided, I request that all collection activity and credit reporting related to this disputed account be suspended immediately. 

Please respond in writing within 30 days of receipt of this letter, as required by federal law. 

I am writing in response to your correspondence regarding an alleged account under the name XXXX XXXX. I am formally disputing this account and request immediate action to verify its validity. 

1. Legal Name and Identity My legal name is XXXX XXXX, not XXXX XXXX. Any account or documentation under the name XXXX is inaccurate. I have never legally changed my last name, nor have I authorized any account under the name XXXX. 

2. Denial of Ownership I have not signed any contract, agreement, or other legal document assuming responsibility for this account. I do not acknowledge ownership of this debt. 

3. Request for Debt Validation ( FDCPA, 15 U.S.C. 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following information to validate the debt : A copy of the signed contract or agreement showing my verified signature. 

Documentation proving this debt was legally assigned or transferred to your company or law firm. 

Written evidence that this debt is legally enforceable in my name, XXXX XXXX. 

4. Request for Reinvestigation ( FCRA, 15 U.S.C. 1681i ) Under the Fair Credit Reporting Act ( FCRA ), I request that your company reinvestigate and verify the accuracy of this account. Please provide documentation supporting your claim that this account belongs to me, including any personal identifying information you used to make that determination. 

5. Cease Collection and Reporting Until Verified Until you provide the requested documentation, I demand that all collection efforts and reporting to credit bureaus cease. Continuing to report or collect on an unverified account may constitute a violation of the FDCPA and FCRA.

6. Proof of Identity Enclosed is a copy of my Drivers License showing my legal name as XXXX XXXX. This serves as proof of my correct legal identity. 

Please respond in writing within 30 days of receipt of this letter, as required under federal law. 

Sincerely, 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