Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XXXX TO : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXXXXXX XXXX XXXX , DC XXXX Subject : SECOND FORMAL NOTICE & LEGAL DEMAND FOR DELETION OF INACCURATE ACCOUNT UNLAWFUL REPORTING AND ADDRESS FRAUD VIOLATIONS UNDER FCRA, FDCPA, FACTA, AND CONSUMER RIGHTS LAW Creditor : Credit Acceptance Corp Account # : Balance : {$9900.00} Status : * * Voluntary Surrender Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Last Updated : XX/XX/XXXX To Whom It May Concern, This letter constitutes my SECOND FORMAL DISPUTE and FINAL LEGAL DEMAND for immediate removal of the above-referenced tradeline. TransUnion continues to unlawfully report and publish false, unverifiable, and factually inaccurate data, despite prior notice and full dispute. Your refusal to correct this is now a clear willful violation of multiple federal consumer protection laws. 
SECOND NOTICE YOU ARE IN WILLFUL NONCOMPLIANCE Despite my prior dispute, TransUnion failed to : Conduct a lawful investigation under FCRA 611 ( a ) ; Remove or correct information under FCRA 1681i ( a ) ( 5 ) ; Provide lawful validation or evidence of a verified debt under FDCPA 809 ( b ) ; Ensure maximum possible accuracy under FCRA 607 ( b ).

Your continued reporting of this account is not only negligent, it is illegal.

UNLAWFUL VALIDATION AT UNDELIVERABLE ADDRESS FRAUDULENT PRACTICE You unlawfully validated and reported this debt to an undeliverable address I have never resided at. This action is a direct violation of my rights under the following : FCRA 604 ( a ) ( 3 ) Credit information can only be furnished for a permissible purpose ; FCRA 605B You must block identity-related false data if disputed ; FCRA 607 ( a ) You are required to verify the accuracy of consumer identifying information ; FACTA Red Flag Guidelines Failure to identify and act upon identity theft indicators ; FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of the debt ; FDCPA 808 ( 1 ) Collection of amounts not authorized by law or agreement.

You knowingly reported and validated a tradeline attached to a fraudulent or incorrect address. That is not only deceptive its legally actionable.

INACCURATE, UNVERIFIABLE, AND ILLEGALLY REPORTED Fictitious Balances : High balance of {$13000.00} in XXXX for an account that was closed in XXXX is an impossibility. 

Current Balance on Closed Loan : You continue reporting an active balance of {$9900.00}, despite this being a closed account marked as Voluntary Surrender. 

Misreporting of Payment Terms & Activity : Account reflects no valid payment structure, with broken or outdated payment data. 

Tied to an Invalid Address : No legal verification was done for the address tied to this account thats not only gross negligence, its a direct violation of federal reporting law. 

FINANCIAL, XXXX, AND XXXX  HARM As a result of this false and illegal reporting : I have been denied mortgage and personal loan approvals, Ive experienced significant financial instability, Ive suffered XXXX XXXX XXXX XXXX XXXX XXXX tied to a false public financial record. 
You are now fully liable for these harms under FCRA 1681n ( willful violations ) and 1681o ( negligent violations ).

FINAL DEMAND I formally demand that you take the following actions within 15 calendar days : Permanently delete the Credit Acceptance Corp tradeline from all XXXX  systems ; Provide me with a written confirmation of removal ; Furnish all records of any validation, communication with the creditor, and address records ; Provide proof of permissible purpose and consumer identification tied to your validation.

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