Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company : Credit Acceptance Corporation Complaint Summary This is a follow-up complaint regarding Credit Acceptance Corporations prior response, which was marked closed with explanation but failed to address multiple material factual disputes. The company issued a generalized conclusion that the account is accurate while ignoring specific discrepancies and legal deficiencies that directly impact the validity of the alleged debt and any reported balance. Unresolved Material Disputes 1. False Down Payment Reporting The companys documentation reflects a {$2500.00} down payment. This is incorrect. I did not make any down payment in any form, including : Cash Check Money order Electronic payment Despite this being a central issue, the company failed to provide : Proof of payment Transaction records Receipt or ledger entry This is a material financial inaccuracy affecting the structure and validity of the alleged contract. 2. Failure to Provide Legally Required Repossession Notices The vehicle was repossessed and sold. However, I never received : Notice of intent to sell Notice of sale Sale or auction details Explanation of any deficiency balance The companys prior response failed to address this issue entirely. Failure to provide these notices raises serious compliance concerns and may invalidate any claimed deficiency balance. 3. No Valid Deficiency Balance Calculation The company has not provided a complete or verifiable deficiency calculation. Missing required elements include : Date of repossession Date and method of sale Sale proceeds Itemized repossession and sale costs Application of proceeds to the balance Without this information, the alleged balance can not be considered accurate or verifiable. 4. Failure to Conduct a Reasonable Investigation The company failed to investigate the specific disputes raised and instead relied on generalized or previously generated information. The following issues were not addressed : False down payment Missing repossession notices Incomplete deficiency calculation This constitutes a failure to conduct a reasonable investigation under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). Contract Documentation Discrepancy The documentation provided by the company is inconsistent. The contract in my possession contains handwritten initials The version referenced or relied upon by the company indicates an electronic signature These are materially different execution methods and raise concerns regarding : Whether the same agreement is being relied upon Whether the documentation is complete and accurate The integrity and authenticity of the records used to verify this account This discrepancy was not addressed in the companys prior response and further demonstrates a failure to conduct a reasonable investigation. Legal Concerns This conduct raises concerns under : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information 15 U.S.C. 1681s-2 ( b ) failure to investigate disputed information Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e misrepresentation of the debt 15 U.S.C. 1692f ( 1 ) collection of amounts not authorized State Law ( Repossession Compliance ) : Failure to provide required notices Potential invalidation of any deficiency balance Requested Resolution I request that Credit Acceptance Corporation : 1. Provide verifiable proof of the alleged {$2500.00} down payment 2. Provide all repossession and sale notices 3. Provide a complete and legally compliant deficiency balance calculation 4. Correct or delete any inaccurate credit reporting If the account can not be fully verified as accurate, complete, and supported by proper documentation, it must be permanently deleted. Supporting Documentation I have attached documentation supporting this complaint, including : Prior dispute correspondence The companys prior CFPB response Contract documentation demonstrating inconsistencies ( handwritten initials vs. electronic signature reference ) Documents provided by the company in response to prior requests Final Statement The companys prior response failed to address material discrepancies and does not meet the standard of a reasonable investigation. These are not minor disputesthey are fundamental defects affecting the validity of the account and the accuracy of the reported information. If these issues are not resolved, I will pursue further action, including additional regulatory complaints and enforcement under applicable federal and state 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