Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XX/XX/XXXX I repeatedly requested my credit file due to suspicious mails received and alleged creditors I have never authorized consented nor applied to extend credit to. I have finally received my credit file due to adverse actions of a higher interest rate of 5 % with an entity. The difference is in the amount of XXXX. To date I have yet to receive a response from XXXX XXXX, XXXX XXXX XXXX XXXX nor have I EVER receIved a 100 % accurate credit file as prescribed by federal law. I have provided human trafficking attestations from a proper agency. I hav provided ftc report. I have provided a data breach notice from XXXX XXXX Administrators showing I was a victim. I have yet to receive remedy, monetary or non monetary relief and it has caused financial harm, mental anguish, sleep deprivation, time loss, loss of enjoyment of life, and a slew of other injuries and damages I choose not to share as it is embarrassing. The defamation and willful and knowingly tort is unlawful and disgusting. 
All names included in attached exhibit described as aka are not D/B/A nor entities established or recognized by my person and are to be deleted. 
All addresses included in attached exhibit are to be deleted. 
All phone numbers included in attached exhibit are to be deleted. 
The only true name validated by me for my person credit file is XXXX XXXX. 
The only true domicile validated by me for my person credit file is XXXX XXXX XXXX, XXXX, Michigan XXXX. 
The only true phone number validated by me and known to you transition is XXXX. All other phone numbers are to be immediately deleted. 
ALL EMPLOYERS ARE INACCURATE AND DONOT BELONG TO MY PERSON ESTATE NOR has any furnished employer furnished such information. Nor has any employer provided my person or estate with a W-2, W-9 or 1099. THE ONLY ACCURATE EMPLOYER IS XXXX XXXX XXXX. DELETLE ALL OTHERS AS THESE COMPANIES HAVE NO FEDERAL IDENTIFICATION NUMBER NOR ARE THE RECOGNIZABLE BY MY PERSON. 

Accounts derived from Data breach and Identity theft that are inaccurate is CREDIT ACCEPTANCE CORP with an unidentifiable account number XXXX with a balance of {$4600.00}. All payment history is a direct result of labor trafficking, debt servitude and peonage. It is all unlawful act business practices and acts. it is unlawful to rely on on unreliable, malfeasance, deceptive furnisher of credit. This entry is not a creditor, never have been. They also describe their business practices in PART 1 OF THE SECURITY EXCHANGE COMMISSION filings as a servicer. A servicer who is trading stolen unregistered and registered securities from consumers, specifically my person. 

Account described as XXXX XXXX XXXX XXXX with an unidentifiable account number XXXX reporting as a " charge off '' is inaccurate and unlawful. The account balance is positive and has been paid in full. The principal and interest is actually due to the estate as XXXX XXXX XXXX XXXX has never performed under alleged contract nor has it loaned my person, consumer nor estate, nor trust {$26000.00}. A charge off is considered income pursuant to the IRS MANUAL AND IRS CODE and INCOME is not to be included in a credit file, consumer report or any other data broker or furnisher. I have never received " INCOME '' NOR HAVE I EVER RECIEVED A 1099C OR 1099B OR 1099A. I also don't have a signed valid contract with this party. Delete this account immediately. Relying on an unreliable furnisher makes your entity susceptible to liability for the injuries sustained by your acts and violations. 

Account described as XXXXXXXX XXXX XXXX with account number XXXX reflects an inaccurate amount, Not only that, the transactional history to certain companies are confidential and are not to furnished. It is inaccurate not only for the sole reason of how can a balance of {$22.00} and a monthly payment amount of {$25.00} be reported. It was never late and is a paid as agreed account with perfect history. Update the account reflecting no late payments according to the request in this formal affidavit and notice of intent to sue. 

All hard inquires are to immediately be deleted as there was no authorization nor consent with a wet ink signature provided. 
XXXX XXXX XXXX XXXX  received Credit file on XX/XX/XXXX. No product or service was obtained or requested. Delete immediately or provide written authorization consenting. XXXX XXXX XXXX XXXX released my credit file without permissible purposes and violated the privacy act of 1974. 
XXXXXXXX XXXX  who is unrecognizable received my credit file on XX/XX/XXXX and described the permissible purpose as XXXX XXXX. Not only was that a direct blatant deceptive and misleading statement, it is an account reporting without consent, a contract, promissory note, security agreement, security interest nor valid. 
XXXX XXXX XXXX with an inquiry dated XXXX is not an account belonging to my person. Upon investigation, it is a merged or mixed file belonging to a perpetrator. Delete immediately as I have no XXXX XXXX XXXX nor have I authorized any inquiry. 
The only authorized hard inquiry is from XXXX XXXXXXXX on XX/XX/XXXX. this should be the only hard inquiry. 

All account reviews are to be immediately deleted and access to this credit file bearing my persons personal protected information is to not be shared, sold or furnished without my authority or consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a direct violation of law as enacted by congress. I hold no contract nor have I transacted with this entity. Upon investigation MEDICAL is excluded from a consumer file. Delete immediately. 
XXXXXXXX XXXX  hold no account of my person nor has it ever provided a service nor rendered a product. XXXX XXXX XXXX XXXX shared my credit file to them on XXXX XXXX different occasions. 
XXXX XXXX XXXX accessed credit file without permissible purposes XXXX AND XXXX. My person has never received a service nor has this company rendered a product LENDING CLUB BANK accessed credit file without permissible purposes XXXX AND XXXX. My person has never received a service nor has this company rendered a product XXXX XXXX XXXX accessed credit file without permissible purposes XXXX on XXXX different occasions. 
XXXX XXXX XXXXXXXX XXXX XXXX accessed my credit file XXXX without permission. I do not recognize this entity at all. 

I opted out of promotional permanently by NOTICE OF ELECTION. IT EXPIRES XX/XX/XXXX. THIS IS PROOF OF WILLFUL negligence, tort and a slew of other violations with civil remedy. 
The following third parties do not have consent nor authorization, XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX owned by XXXX XXXX XXXX XXXX, Inc.has no consent nor authorization. They should not be on credit file. Delete immediately. 

XXXX of XXXX ACCOUNT NUMBERS LISTED INACCURATE, INCOMPLETE AND ERRONOUS is XXXX, XXXX, XXXX, XXXX with balances reflecting late payments, inaccurate balance amounts and accounts owned by someone else. The accounts are unverifiable as the culprit of compiling stolen bulk data is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE NOTE THAT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs a suspended entity not permitted to do business. See attachment as an exhibit. 
l affirm that all the foregoing is true and correct. 

I affirm that I am of lawful age and am competent to make this Affidavit. I hereby affix my own signature to all the affirmations in this entire document with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, volun-tarily, and without misrepresentation, duress, or coercion. THE USE OF THE NOTARY BELOW IS FOR IDENTIFICATION, AND SUCH USE DOES NOT GRANT ANY JURISDICTION TO ANYONE. FURTHER AFFIANT XXXX XXXX. Subscribed and sworn, without prejudice, as said in the Uniform Commercial Code 1-207/1-308, I saw some hard inquiries that did have not permission purpose. SEE EXHIBIT. These inquiries have no permissible purpose to be on my report pursuant to The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete these inquiries due to violation of 15 USC 1681b Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX. l grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section 3486 of title 18. 
XXXX XXXX XXXX XXXX continue to violate NUMEROUS FCRA laws by continuing to violate my persons federally protected rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2.the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated the information concerning this debt is inaccurate and credit file is not 100 % accurate as pursuant to law. have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a clear, conspicuous investigation into any of the findings of the alleged debt Transunion is in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. XXXX XXXX has received identification copies, private letters, affidavits and now another CFPB complaint and FTC complaints. have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley section 501, 502 and 504 failure to secure security and confidentialty of personal protected data, unauthorized sharing of non public personal data and non compliance with Federal regulation designed to enforce the act. I have been put at risk financially and mentally. have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX  are XXXX VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  copies of my identification copies of the CFPB complaint, FTC complaint.

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