Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
UNIFIED CFPB COMPLAINT Filed by : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Credit Acceptance Corp Illegal Repossession Practices, Inaccurate Credit Reporting, Failure to Investigate Disputes ; XXXX  XXXX XXXX  FCRA Violations for Continuing to Report Disputed and Unverified Information I. SUMMARY OF ISSUES This complaint concerns severe violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and consumer-protection obligations by the following entities : Credit Acceptance Corporation ( CAC ) XXXX XXXX All parties have contributed to the continued publication of false, incomplete, misleading, and legally defective information regarding my former auto loan with Credit Acceptance . 

This reporting continues to harm my creditworthiness, resulting in severe adverse economic consequences. 

II. CREDITOR INFORMATION CREDIT ACCEPTANCE CORP Creditor : Credit Acceptance Corporation Account Number : XXXX Account Type : Auto Loan Opened : XX/XX/year> Status : Closed Repossessed Amount Reported Owed : {$12000.00} past due Repossession : Vehicle seized and auctioned but sale proceeds were neither disclosed nor deducted from the stated deficiency balance. 

III. CREDITOR VIOLATIONS ( CREDIT ACCEPTANCE CORP ) 1. Illegal and Unlawful Repossession Practices Credit Acceptance violated multiple consumer-protection laws by : A. Failing to provide legally required notice BEFORE repossession I received no pre-repossession notice, no right-to-cure opportunity, and no opportunity to bring the account current, violating state-mandated repossession notice requirements and unfair-practices standards. 

B. Failing to provide legally required notice AFTER repossession Credit Acceptance did NOT provide : Notice of intent to sell, Notice of auction date/time, Notice of right to reinstatement or redemption, Post-sale accounting of proceeds. 

These omissions violate UCC requirements in all states and constitute unfair, deceptive, and abusive acts and practices ( UDAAP ). 

C. Failure to credit proceeds from the auction The repossessed vehicle was auctioned ; however : CAC has not disclosed any sale amount, CAC has not credited any proceeds, CAC is reporting the full pre-sale deficiency, which is inaccurate, misleading, and unlawful. 

This is a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and constitutes deceptive collection conduct under FDCPA 807. 

2. Inaccurate, Misleading, and Fraudulent Reporting Credit Acceptance continues to report : A deficiency balance of {$12000.00} No sale credit Incorrect loan amounts Misstated financial obligation Misleading charge-off and repossession codes False dates Omitted dispute notation False claims conflicting with the actual loan contract Thes

e inaccuracies violate : FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) FCRA 623 ( a ) ( 3 ) FCRA 623 ( b ) 3. Continued collection attempts after a Cease-and-Desist demand FDCPA Violations I previously issued a formal cease-and-desist order to Credit Acceptance. Despite this, I continue receiving : Collection communications Demands for payment Threatening language Attempts to collect the disp
uted deficiency These actions violate : FDCPA 805 ( c ) continued communication after cease-and-desist FDCPA 806 harassment and abuse FDCPA 807 false or misleading representations These violations entitle me to damages under FDCPA 813, including statutory penalties up to {$1000.00} per violation, plus actual damages. 

IV. CREDIT BUREAU VIOLATIONS ( XXXX XXXX XXXX ) XXXX  and XXXX  are also in violation of the FCRA for their handling of this account. 

1. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) I disputed the account with both bureaus regarding : The repossession The deficiency amount The missing auction proceeds The incorrect balance The failure of CAC to properly notify me The failure of CAC to respond to my verification demands However, both bureaus : Returned generic form responses Failed to obtain documentation Did not conduct a reasonable reinvestigation Continued to report unverifiable information Violating FCRA 611 ( a ) ( 1 ) ( A ). 

2. Failure to Mark the Account as Disputed FCRA 623 ( a ) ( 3 ) Despite multiple disputes, neither bureau has properly marked the account as Consumer Disputes This Account. 

This omission materially harms me by : Making the derogatory item appear undisputed Misleading future lenders Creating a false impression of liability This is a direct violation of FCRA 623 ( a ) ( 3 ). 

3. Reporting Inaccurate and Unverified Information FCRA 607 ( b ) XXXX  and XXXX  continue to publish information that is : Inaccurate Incomplete Unsupported Legally defective Unverified This violates their statutory duty to ensure maximum possible accuracy. 

4. Failure to Delete Unverifiable Information FCRA 611 ( a ) ( 5 ) Because Credit Acceptance has not : Provided verification, Provided documentation, Provided proof of the deficiency, Provided proof of auction proceeds, Provided pre/post-repossession notices, the bureaus must delete the information. 

Their failure to do so violates FCRA 611 ( a ) ( 5 ). 

5. Reinsertion Without Certification FCRA 611 ( a ) ( 5 ) ( B ) If the bureaus previously removed or corrected disputed information, they may NOT reinsert it without : Certification from the furnisher, and Written notice to me within 5 business days. 

To date, neither requirement has been met. 

V. ONGOING HARM EXPERIENCED The false reporting and unlawful collection activity have resulted in : Denial of credit Higher interest rates Loss of financial opportunity Emotional distress Reputational damage Decreased credit score and creditworthiness Continuing financial harm These injuries constitute grounds for actual damages, statutory penalties, and enforcement action. 

VI. RELIEF REQUESTED I respectfully request that the CFPB require : A. CREDIT ACCEPTANCE CORP Delete the entire auto-loan account immediately Cease all collection activity Provide full accounting of auction proceeds Provide copies of pre-repo and post-repo notices Pay statutory penalties for FDCPA violations Correct all inaccuracies permanently Confirm compliance in writing B. XXXX XXXX XXXX Immediately delete the disputed account due to unverifiable information Mark the account as disputed until deletion is complete Provide documentation of any verification received from CAC Conduct a legally compliant reinvestigation under 611 Cease furnishing false or misleading information Provide certification of deletions and corrections VII. CONCLUSION Credit Acceptance Corporation, XXXX, and XXXX  have collectively violated federal consumer-protection laws, resulting in significant harm. 
The pattern of unlawful repossession practices, failure to credit auction proceeds, continued collection after cease-and-desist, and refusal to properly investigate disputes demonstrates systemic non-compliance that warrants CFPB intervention. 

I request full deletion, enforcement action, and all remedies available under FCRA and FDCPA.

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