Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
Below are several debts on my credit report in my name, that I was unaware of completely until running the credit report. The report listed my address as XXXX XXXX XXXXXXXX XXXX XXXX, TX, XXXX. I have never lived in Texas. I have lived at my current address since XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, XXXX CT XXXX. 

I have filed a report with a transunion, which was incorrectly resolved. I am afraid that I have been a victim of fraud and will continue to ignore these debts that have come out of nowhere to me. 

The lenders ask for personal information that I can not give out and I do not know how they gave out this money without the information that they are asking me for. The companies who have posted these debts are committing fraud or involved in fraud in that I have never taken out a loan in the last decade. I own my home, my car, and have paid off all student loans without any delinquency. I am not sure how someone could create these debts. I also had been sent a highway toll debt from Texas with a registration different from my own. This was resolved without issue but these false claims are lingering. 
All data from my credit report regarding these issues are listed below : Lender Name CREDIT ACCEPTANCE CORPOR Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MI XXXX Phone Number XXXX Account Type Auto Loan Credit Type Installment Open Since XX/XX/XXXX Ownership Individual Current Balance {$50000.00} Highest Balance {$40000.00} Remaining Term 48 months ______________ Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$13000.00} Monthly Payment - Original Creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, WA XXXX XXXX Number XXXX Account Details DEROGATORY Account Type Collection Account Last Account Activity XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$6400.00} Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Number -- -- - Account Details DEROGATORY Account Type Collection Account Last Account Activity XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$6400.00} Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Number XXXX Account Details DEROGATORY Account Type Collection Account Last Account Activity XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX  Monthly Payment - Original Creditor XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number XXXX _______ Account Details XXXX Account Type Collection Account Last Account Activity XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX  Monthly Payment - Original Creditor XXXX  XXXX XXXX XXXX  Payment Details Payment status Collection/Chargeoff XXXX Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX, WA XXXX Phone Number XXXX -- -- -- XXXX Account XXXX DEROGATORY Account Type Collection Account Last Account Activity XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX  Monthly Payment - Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address po box XXXX XXXX, WA XXXX Phone Number XXXX Remarks Dispute resolved ; reported by grantor

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