Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail and Email Demand for Immediate Investigation, Preservation of Evidence, and Cessation of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Acceptance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Fraud, Forgery, Unauthorized Signature, Disputed Contract, and Demand to Cease Enforcement Vehicle : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account/Contract Number : XXXX To Whom It May Concern : Be advised that this letter serves as a formal legal dispute and demand for immediate action regarding the above-referenced vehicle transaction and financing contract. My father, XXXX XXXX, was identified as a buyer, co-buyer, co-signer, and/or credit applicant in connection with this transaction. He was not present at the dealership, did not sign the contract or related documents, and did not authorize any person to sign his name, apply on his behalf, or otherwise bind him to this transaction in any capacity. Any signature, acknowledgment, consent, or approval attributed to him is unauthorized, invalid, and disputed as fraudulent. This matter is not a minor clerical error. It is a transaction infected by forgery, fraud, material misrepresentation, and lack of consent from a purported contracting party whose identity and credit qualifications were used to obtain approval. My fathers credit profile, qualifications, and/or identity were essential to the approval and funding of this deal. In other words, the transaction was approved as a package based on representations that included my father as an obligated and qualifying party. If his name, signature, and creditworthiness were used to obtain financing approval, then the contract was put together on a false and fraudulent basis from inception. Accordingly, any attempt by the dealership and/or finance company to now remove my father from the contract while continuing to enforce the transaction solely against me would be improper, inequitable, and legally disputed. You may not benefit from a fraudulently obtained approval, preserve the advantages gained from my fathers qualifications, and then selectively rewrite the transaction after the fact once the fraud has been exposed. To be clear : I dispute not only my fathers purported obligation, but also the enforceability of any contract, financing agreement, or related obligation arising from a transaction procured through unauthorized execution and false underwriting premises. If the deal was approved because of my fathers participation, then the discovery that his participation was fabricated undermines the validity of the entire transaction. You are hereby directed to immediately do all of the following : 1. Mark the account and transaction as formally disputed for fraud and forgery. 2. Cease all collection activity, enforcement efforts, repossession actions, and adverse credit reporting pending full investigation and written resolution. 3. Preserve all evidence related to this transaction, including but not limited to : Retail installment sales contract Buyers order Credit applications Electronic signature records Signature audit trails IP logs Text messages Emails Recorded calls Identity verification records Delivery documents Funding submissions Dealer-lender communications Underwriting notes Any alleged authorization, power of attorney, or consent forms 4. Provide complete copies of all documents and records relating to the origination, approval, execution, assignment, and funding of this transaction. 5. State in writing whether my fathers credit qualifications, income, credit score, history, identity, or status as co-buyer/co-signer were relied upon for approval. 6. State in writing whether you contend that the contract can be severed, reformed, or enforced against me alone. 7. Identify all persons, employees, agents, contractors, or representatives involved in preparing, presenting, signing, transmitting, approving, or funding the disputed documents. Take further notice that any continued attempt to collect, report, assign, enforce, threaten enforcement, or repossess based upon a contract known to be disputed for forgery and fraudulent inducement may constitute additional wrongful conduct and will be used as evidence that you knowingly continued to rely on a transaction procured through fraud. If the finance company accepted assignment of a contract containing an unauthorized signature, and if approval was granted on the strength of my fathers qualifications, then the finance company took a transaction whose foundation is now directly challenged. The lender can not simply strip away the forged participant and continue forward as though the deal had been validly formed in the first place. My father never assented to this agreement. No valid consent was given on his behalf. No post hoc effort to correct the paperwork can erase the fact that the approval and funding of this contract were obtained under materially false circumstances. Nothing in this letter shall be construed as a waiver of any claim, defense, counterclaim, cause of action, or remedy available to me or to my father, whether legal or equitable. All rights are expressly reserved, including but not limited to rights relating to fraud, forgery, misrepresentation, lack of assent, rescission, cancellation, credit reporting disputes, and all damages and remedies available under applicable law. You are required to provide a full written response within 10 business days of receipt of this letter. If you fail to do so, or if you continue attempting to enforce this transaction without adequately addressing the fraud and invalidity issues set forth herein, that failure will be documented and relied upon in any complaint, regulatory filing, arbitration, or court proceeding. Govern yourselves accordingly. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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