Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
Final CFPB Complaint Letter ( With FTC Notice ) Subject : Misuse of Duplicate Status Ongoing FCRA/FDCPA Violations by Credit Acceptance & Notice of FTC Complaint To Whom It May Concern, I am submitting this complaint against Credit Acceptance Corporation for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and for deliberately misusing the duplicate complaint classification to avoid resolving my dispute properly. 

After submitting an initial complaint through the CFPB portal, I followed up with a second complaint that detailed my 15-day debt validation demand and cited new legal violations. Instead of addressing this escalation, Credit Acceptance dismissed the complaint again as a duplicate, despite it being materially different and legally separate. 



This Complaint Is Not a Duplicate : My original complaint addressed inaccurate reporting and general dispute concerns. 
My second complaint included a formal 15-day debt validation demand under FDCPA 809 ( b ), and cited violations under FCRA 611 , 609, 623. 
That complaint was an escalation due to non-response and non-compliance. 
Credit Acceptance ignored my legal demand and continues to report unverifiable information. 

The misuse of duplicate status is a deliberate tactic to avoid regulatory oversight and violates multiple consumer protection laws. 



Violations Committed : FCRA Violations : 611 ( a ) ( 1 ) ( A ) : No reasonable reinvestigation after my formal dispute 623 ( b ) : Continued reporting of inaccurate, unverified data 623 ( a ) ( 3 ) : Failure to mark the account as in dispute 609 ( a ) ( 1 ) : No disclosure of my complete file or validation documentation FDCPA Violations : 809 ( b ) : Failure to validate the debt after a written request 807 ( 8 ) : Deceptive practice misuse of complaint status to avoid consumer rights FTC Violation Notice : Due to Credit Acceptances deceptive practices, including the intentional suppression of my legitimate disputes, I am also submitting a complaint to the Federal Trade Commission ( FTC ). Their conduct meets the threshold for investigation under Section 5 of the FTC Act, which prohibits unfair or deceptive business practices. 



What Im Requesting : 1. That this complaint be reviewed as a separate and escalated filing, not a duplicate 2. Immediate deletion of the account from all credit reports if it can not be legally validated 3. CFPB oversight to ensure Credit Acceptance stops mislabeling disputes to delay investigation 4. Enforcement of appropriate penalties if noncompliance continues I respectfully request the CFPB take this matter seriously and ensure that consumers like myself are not silenced through technical excuses and delay tactics. 

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