Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX I informed credit acceptance corporation that I was a victim of identity theft I went to the proper channel to report it. I have again disputed this identity theft in XX/XX/XXXX The creditor is reporting this account under XXXX XXXX XXXX, yet they have failed to provide the security agreement or contract that would validate such a designation. This is a direct violation of the XXXX XXXX reporting standards for accuracy. They are still reporting it to my credit as XXXX payments. I asked to I also sent them another letter and so they actually reported to my credit sooner than they usually do once getting the letter that I sent them which shows that they are trying to retaliate against me for acknowledging the theft instead of working to fix or correct the situation the remedy that I requested was very modest, which is a complete removal of that account on my record and honestly any account of them being ever been on my record to me is a smear to my record because they are now to be a predatory company. the unlawful reporting of a fraudulent account by Credit Acceptance Corporation. Despite my previous disputes sent to the credit bureaus and the creditor directly, they continue to report inaccurate " missed payments '' and refuse to remove the account. XXXX. Lack of Legal Standing & Contractual Proof I have formally issued a Demand for Chain of Title and Full Disclosure to Credit Acceptance Corporation. To date, they have failed to provide : An original, wet-ink contract containing my signature. Proof of State Licensure valid at the time the alleged contract was executed. A complete log of every inquiry and data access point as required under the FCRA. Without a verified chain of title, this entity has no legal standing to report any data to my consumer file. XXXX. Violation of Federal Law and Awareness of Fraud Case I am formally notifying the CFPB that this account is part of a pattern of predatory behavior currently being litigated in CFPB v. Credit Acceptance Corp. ( Case No. XXXX ). The allegations in that ongoing fraud casespecifically regarding the manipulation of loan " add-ons '' and the misrepresentation of credit costsdirectly mirror the irregularities in my file. Furthermore, my data has been accessed by " compromised agents '' and used to target me. Under 15 U.S.C. 1681b, a consumer report may only be furnished for a " permissible purpose. '' The use of my data for harassment or by unauthorized agents constitutes a willful violation of my privacy. 3. Violations of FDCPA and TILA By continuing to report a debt that they can not validate, CAC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding the " use of false, deceptive, or misleading representations '' ( 15 U.S.C. 1692e ). Additionally, their failure to provide full disclosure of terms at the time of the alleged contract violates the Truth in Lending Act ( TILA ). Requested Remedy : I demand the immediate and full removal of the Credit Acceptance Corporation account and all associated negative marks. Given the ongoing fraud litigation and their inability to produce the requested Chain of Title and licensure, any further reporting is a knowing and willful violation of federal law.

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