Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Accounts Due to Identity Theft ( FCRA 605B ) Dear XXXX XXXX Department, My name is XXXX XXXX, and I am formally requesting that XXXX XXXX and remove fraudulent, inaccurate, and false information from my consumer credit report in accordance with Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft and fraud, which have resulted in serious inaccuracies in my credit report. 

The fraudulent accounts and inquiries that must be removed from my credit file are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$500.00} These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational harm. As per FCRA 605B, XXXX is required to block and remove this information within four ( 4 ) business days of receipt of this request.

To support my claim, I have also included additional supporting documentation verifying that these accounts and inquiries are the result of identity theft. Therefore, I am requesting the following actions : Immediate removal of all fraudulent accounts from my credit report.

Blocking of any associated inquiries or collection activities tied to these fraudulent accounts. 

If this request is not completed in compliance with FCRA regulations, I will be left with no choice but to pursue legal action, including seeking statutory damages and recovery of costs under the FCRA. 

Please confirm receipt of this dispute and provide me with a timeline for resolution. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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