Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
b'CFPB Complaint  Submission\nComplainant:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nCompanies Involved:\n\tCredit Acceptance Corporation (Furnisher)\n\tXXXX XXXX (Consumer Reporting Agency)\n\XXXX XXXX XXXX XXXX (Consumer Reporting Agency)\n\nComplaint Summary\nI am submitting this complaint regarding repeated, ongoing, and willful violations of the Fair Credit Reporting Act (FCRA) by Credit Acceptance Corporation, XXXX XXXX XXXX concerning inaccurate, unverified, and altered reporting of Account XXXX\nDespite multiple certified dispute letters over an extended period (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), supported by prior documentation, the parties have:\n1.\tReported and updated account data without proper verification.\n2.\tAltered disputed information, including balances, dates of last activity, and account numbers.\n3.\tReinserted or modified the tradeline after active disputes without providing verification to me.\n4.\tFailed to comply with FCRA  1681i(a),  1681s-2(b), and Metro 2 data accuracy standards.\n5.\tContinued furnishing unverified information to other consumers and financial institutions.\n\nDetails of Violations\nCredit Acceptance Corporation (Furnisher):\n\tDid not provide signed contracts, repossession or sale documentation, insurance claims, or chain of title proving legal authority to report or collect.\n\tContinues reporting the account to XXXX XXXX XXXX without verification.\n\tActions violate:\no\tFCRA  623(a)(1)(A), 623(b), 1681s-2(b)\no\tFDCPA  807(2)(A), 809(b)\no\tMetro 2 Sections 2.4.1 & 6.2.1\nTransUnion and Equifax (Consumer Reporting Agencies):\n\tAltered, re-aged, and updated account information after disputes.\n\tFailed to conduct proper reinvestigation under FCRA  1681i(a), 1681s-2(b).\n\tContinued reporting inaccurate and unverified tradelines.\n\tEach monthly update or alteration counts as a separate violation.\nAttachments/Supporting Evidence:\n1.\tPrior dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\tCertified mail receipts for all correspondence\n3.\tPrior and current credit reports showing altered and unverified data\n4.\tDemand letters to Credit Acceptance Corporation\n5.\tProof of identity and current residence\n\nRequested Resolution & Remedies\nImmediate Corrective Action  Credit Acceptance Corporation:\n1.\tProvide full, verifiable documentation for Account XXXX including signed contracts, payment history, repossession and sale documentation, insurance claims, chain of title, and proof of legal authority to report and collect.\n2.\tCease all reporting, collection, or communication regarding this account unless and until proper validation is provided.\nImmediate Corrective Action  XXXX XXXX XXXX\n1.\tConduct proper reinvestigation of the disputed account in compliance with FCRA  1681i and 1681s-2(b).\n2.\tRemove inaccurate, unverified, or altered reporting if verification cannot be established.\n3.\tProvide confirmation of all actions taken and a corrected credit report.\nEstimated Damages and Legal Remedies:\n\tStatutory damages: XXXX per willful violation (estimated XXXX XXXX XXXX)\n\tActual damages: financial impact from denied credit or higher interest, emotional distress (XXXX  estimate)\n\tAttorneys fees and costs: XXXX (if legal action pursued)\n\tTotal potential recovery: $[sum of above] depending on proof of violations, documentation, and legal determination of willfulness\nNotice: Each failure to correct or verify the account constitutes a separate violation of FCRA, FDCPA, and Metro 2 reporting standards. Continued noncompliance may result in civil action under FCRA  1681n & 1681o and FDCPA  813.\n\n\nAttachments & Evidence Summary  Account XXXXPurpose: To document prior disputes, correspondence, and evidence of unverified reporting related to Credit Acceptance Co and associated reporting to XXXX XXXX XXXXnAttachments Included:\n1.\tDispute Letters to Credit Acceptance Corporation:\no\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tCredit Reports (Prior & Current):\no\tHighlighted copies showing inaccurate reporting, improper updates, re-aging, and unverified tradeline reporting.\n5.\tCertified Mail Receipts:\no\tProof of delivery for all dispute letters listed above.\n6.\tProof of Identity & Residence:\no\tGovernment-issued photo ID\no\tUtility bills and/or other residence verification\n7.\tSummary of Violations:\no\tDocumentation cross-referencing FCRA  1681i, 1681s-2(b), 623(a)(1)(A), 623(b)\no\tFDCPA  807 & 809(b) violations\no\tMetro 2 Section 2.4.1 & 6.2.1 reporting standards\nNotes:\n\tEach letter and credit report is retained as evidence of repeated noncompliance.\n\tAny future reporting, collection activity, or alterations will be documented as additional violations.\n\tThis packet is submitted in conjunction with my CFPB complaint and for attorney review to support potential civil action.\nSubmitted by:\n\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