Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. I am writing to file a formal complaint regarding a collections account initiated by CREDIT ACCEPTANCE CORP. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681-s2 ( 7 ) ( a ), collectors are required to provide accurate and complete information to credit reporting agencies. However, there have been inaccuracies reported to credit bureaus regarding this collections account, which has negatively impacted my credit score unfairly. I am requesting these accounts be investigated in accordance with FCRA section 611. Procedure in case of disputed accuracy. An inconsistent pattern of inaccurate reporting is illustrated within this report ; 1. Pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. The demonstration of that violation is because CREDIT ACCEPTANCE has been applying fees without reporting those fees with the credit bureaus. In addition to that they CREDIT ACCEPTANCE has a GARNISHMENT against me that theyve been collecting payments on but NOT reporting those payments on which the CURRENT status is OPEN. THIS COLLECTION COMPANY FAILED TO INLCUDE FEES WITHIN THE REPORT THUS SHOWING SIGNS OF DECEPTIVE AND ILLEGAL COLLECTION PRACTICES.

2. Under consumer law 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) you have 5 days to notify me, provide proof of compliance and that you have bought my debt from the previous collector. 
and you guys failed to do so. 
XXXX. Furthermore, I needed you guys to provide me with an assignment of debt or the agreement between you, the collection agency and the original creditor. 12 CFR 1006.34 ( c ) ( 2 ) ( viii ) this subjection requires that a debt collector include specific information in the initial written communication. SPECIFICALLY, IT MANDATES DISCLOSURE OF : THE DATE OF DEFAULT OR LAST PAYMENT, THE DATE OF CONSUMERS LAST PAYMENT ON THE ACCOUNT. 
I have attempted to resolve these issues directly with the collection agency and collector but to no avail. Therefore, I urge the CFPB and other Agencies to investigate this matter thoroughly and take appropriate actions to ensure compliance with consumer protection laws. 15 USC 1681s2 ( a ) : Duties of Furnishers of Information This subsection focuses on ensuring that the information reported to credit bureaus is accurate and not misleading. It includes several provisions : Duty to Provide Accurate Information : Furnishers can not knowingly report information that is false or misleading to CRAs. 
If the furnisher later discovers that previously reported information was incorrect, they are obligated to promptly delete it.

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