Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Credit ACPT -AUTO LOAN IS NOT MINE I HAVE MADE COMPANY AWARE ACCOUNT ENDING XXXX XX/XX/year> To Whom It May Concern : I am in receipt of your XX/XX/year> response regarding the above-referenced account. I strongly dispute your conclusion that this account belongs to me and object to your claim that the documents provided validate the alleged debt. The documents you supplied do not constitute adequate validation of the debt, nor do they establish that I knowingly entered into this transaction. Specifically, the signature appearing on the electronic signature declaration is not my signature. I do not recognize the signature, did not execute the document, and do not acknowledge responsibility for the account. Merely providing copies of documents containing my name, address, or an alleged electronic signature does not prove that I personally authorized or executed the transaction. The burden remains on Credit Acceptance to demonstrate that I knowingly entered into the agreement and that the signature is authentic. I hereby request that Credit Acceptance provide the following : 1. Evidence of the method used to verify the identity of the individual who allegedly executed the electronic documents. 2. The IP address, device information, timestamps, geolocation data, and audit trail associated with the alleged electronic signature. XXXX. Any recorded communications, drivers license copies, identification documents, or biometric verification used during the transaction. XXXX. Documentation demonstrating that I personally reviewed and electronically signed the contract. XXXX. A complete chain of assignment and ownership of the alleged account. Until such evidence is produced, I maintain that the account remains disputed and unverified. Furthermore, under the Fair Credit Reporting Act, furnishers of information have a duty to conduct a reasonable investigation of disputed information. A document containing an alleged signature that I expressly deny does not conclusively establish liability or accuracy. Accordingly, I demand that Credit Acceptance : * Immediately mark the account as disputed with all consumer reporting agencies; * Conduct a reasonable reinvestigation of the account; * Cease reporting inaccurate information ; and * Remove this account from my consumer credit reports if you can not provide competent evidence that I personally authorized the transaction. Please consider this a formal notice that I continue to dispute the validity, ownership, and accuracy of this account. If Credit Acceptance continues reporting this account without conducting a reasonable investigation into my signature dispute, I reserve all rights available under federal and state law. I request a written response within 15 days of receipt of this correspondence. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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