Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a fraudulent vehicle purchase and loan agreement associated with my name and personal information. On XX/XX/XXXX, a XXXX XXXX XXXX was reportedly purchased at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX under my name and with financing provided by Credit Acceptance Corporation. However, I did not sign for this loan nor was I present at the time of the transaction. 

To clarify, I did not authorize the purchase or loan and did not physically sign any documentation for the vehicle. I have never been to the dealership, nor have I interacted with the seller, XXXX XXXX, at any point in time. Upon contacting XXXX XXXX regarding this issue, I was given the run-around and directed to speak with the owner, who has failed to provide a resolution. As a result, I have also contacted Credit Acceptance Corporation, submitted an identity theft report, and requested an investigation, but was informed that there was nothing they could do to resolve the matter. 

This situation clearly constitutes identity theft and fraud, as someone else used my personal information without my consent to procure the vehicle and loan. The actions of the dealership and any individuals involved in this fraudulent transaction are unlawful and a violation of my rights under both federal and state law.

I request that you immediately investigate this matter and take the following actions : 1. Provide a full investigation into this fraudulent loan and the circumstances surrounding the vehicle purchase.

2. Cancel the loan associated with the fraudulent transaction and remove any associated negative credit reporting resulting from this matter.

3. Provide written confirmation that no further action will be taken regarding the loan under my name, and that my credit report will be cleared of any fraudulent accounts.

4. Initiate legal action if necessary against the individuals responsible for this identity theft and fraud, including the dealership and any employees or agents who facilitated the transaction.

This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws governing identity theft and fraud. Under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), the use of someone elses personal information without consent is a federal offense. I am entitled to dispute this fraudulent transaction and request that any associated debts be nullified as I have not authorized them in any way.

I kindly request that you treat this matter with urgency and provide me with an update on the status of your investigation at your earliest convenience. Please confirm in writing that this fraudulent loan will be removed from my records.

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

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