Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
Per this letter informatin below : AMERICAN CREDIT ACCEPTANCE STRONG DISPUTE & DELETION LETTER ( Balance : {$6200.00} Improper Practices & Unlawful Repossession ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va, XXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Re : Formal Dispute XXXX XXXX Acceptance Account {$6200.00} Balance Demand for Permanent Deletion Under FCRA, FDCPA, and XXXX  Consumer Repossession Laws To Whom It May Concern, I am formally disputing the American Credit Acceptance ( XXXX  ) account reporting a balance of {$6200.00}, and I am requesting its permanent deletion from my credit file for the following reasons : This account is the result of predatory lending, improper repossession procedures, unlawful consumer treatment, and inaccurate reporting, violating multiple federal protections : FCRA 602, 607, 611, 623 FDCPA 807 XXXX XXXX XXXX XXXX regarding repossession and sale requirements CFPB consumer protection standards XXXX. XXXX engaged in predatory and abusive lending practices XXXX is legally documented and publicly known for : Targeting financially vulnerable consumers Structuring loans with inflated add-on products to increase default risk Misrepresenting payment obligations These behaviors are referenced in multiple ongoing lawsuits against the company. 
This loan contained misrepresented terms, added forced coverage, and increased payment obligations beyond what was originally agreed upon. 

XXXX. XXXX failed to provide proper written notices ( pre-sale & post-sale ) Under XXXX XXXX, lenders must provide a clear, timely, and accurate notice of : Intent to repossess Sale or auction date Consumers right to redeem the vehicle XXXX  failed in all of these areas. 
Facts : Notices were late, unclear, or never received XXXX ignored XXXX emails and messages requesting assistance and additional time No valid opportunity to redeem the vehicle was provided XXXX  sold the car without honoring the written notice stating the consumer could repurchase it This violates XXXX  XXXX law and FCRA XXXX obligations XXXX. Improper repossession & unlawful sale Based on the facts : XXXX repossessed the vehicle without proper communication Demanded more than half the vehicles total value to return it, which is excessive and abusive Failed to provide the consumer the right to buy back the vehicle as stated in the only notice sent Sold the vehicle without legally required disclosures, pricing details, or accounting records These actions constitute unlawful repossession procedures and consumer harm under the XXXX definition. 

XXXX. Failure to assist with financial hardship XXXX  refused : Hardship assistance Payment plan review Temporary deferment Instead, XXXX purposely ignored communications to accelerate default and repossession, another characteristic of predatory servicing. 

XXXX. The balance is inaccurate, unverified, and legally invalid Because the repossession and sale were unlawful, and because notices were not handled according to XXXX and FCRA standards : The {$6200.00} balance is disputed, incorrect, and uncollectible. 
XXXX  has not provided verification, proper accounting, or documentation supporting this amount. 
Per FCRA 623 ( b ) and FDCPA 807, any unverified or inaccurate account must be deleted. 

Requested Action PERMANENT DELETION Under the FCRA, XXXX repossession laws, and consumer protection rights, I request : Permanent deletion of the American Credit Acceptance tradeline from all credit bureaus. 
Reasons : Improper repossession Invalid deficiency balance Illegal sale procedures Lack of legally required notices Pattern of predatory behavior & documented lawsuits Failure to verify the account Violations of XXXX, FCRA, FDCPA, and CFPB rules You are required to respond Per FCRA 611, you must complete your investigation within XXXX  days. If ACA can not verify the account with legally valid documentationnot automated responsesthe account must be deleted. 
Failure to comply will result in formal complaints with : CFPB FTC XXXX Attorney General XXXX XXXX XXXX  Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation