Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I have reach out to XXXX  in regards of payment history being provided, no info was provided. XXXX XXXX Account # XXXX, and, Credit Acceptance Account # XXXX .As of right XXXX is n clear violations of Formal Notice of Violations of Federal Law 15 U.S.C. 1666 ( b ), 1681s-2, and 1681i ( a ) I am writing to formally notify you of multiple violations of federal law under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) related to the handling of my billing dispute and credit reporting accuracy. 

Violation of 15 U.S.C. 1666 ( b ) Failure to Properly Investigate Billing Dispute Pursuant to 15 U.S.C. 1666 ( b ), once a consumer submits a written billing dispute within 60 days of the first bill containing the alleged error, the creditor is required to : Acknowledge the dispute in writing within 30 days, and Conduct a reasonable investigation and resolve the matter within two billing cycles ( but not more than 90 days ).

I submitted a timely written dispute regarding [ brief description of the billing error, e.g., a fraudulent or incorrect charge ] on [ XX/XX/year> ]. However, your institution failed to respond appropriately within the legal timeframes or conduct a reasonable investigation. This is a clear violation of 15 U.S.C. 1666 ( b ).

Violation of 15 U.S.C. 1681s-2 ( a ) and ( b ) Furnishing Inaccurate Information and Failing to Correct It As a data furnisher, you are legally obligated under 15 U.S.C. 1681s-2 ( a ) not to furnish information you know ( or have reasonable cause to believe ) is inaccurate.

Further, once a consumer reporting agency ( CRA ) notifies you of a dispute pursuant to 15 U.S.C. 1681i ( a ) ( 2 ), you are required under 15 U.S.C. 1681s-2 ( b ) to : Conduct an investigation regarding the disputed information ; Review all relevant information provided by the CRA ; Report the results of the investigation to the CRA ; If the disputed information is inaccurate, incomplete, or unverifiable, promptly correct or delete it. 
XXXX and XXXX XXXX , & Credit Acceptance failed to comply with these duties. After submitting my dispute, XXXX continued to report inaccurate or unverified information on my credit report without properly investigating or correcting it. This is a direct violation of 15 U.S.C. 1681s-2 ( b ).

Violation of 15 U.S.C. 1681i ( a ) CRA Failure to Reinvestigate Disputed Information Under 15 U.S.C. 1681i ( a ), when a CRA receives notice of a consumer dispute, it must : Conduct a reasonable reinvestigation within 30 days ; Provide notice to the furnisher of the dispute ; Delete or correct any information found to be inaccurate or unverifiable ; Notify the consumer of the results of the reinvestigation.

Despite submitting proper dispute documentation to XXXX on XXXX XXXX, they failed to perform a lawful and timely reinvestigation. Inaccurate and/or unverifiable information continues to appear on my credit file. This constitutes a violation of 15 U.S.C. 1681i ( a ).

Demand for Immediate Remedial Action I hereby demand that XXXX : Correct or delete the inaccurate information from all credit reporting agencies to which you furnish data ; Provide me with written confirmation of the corrections ; Cease and desist from any further reporting of inaccurate or disputed information ; Provide a complete explanation of your investigation procedures and findings.

Notice of Potential Legal Action Should you fail to take corrective action within 15 calendar days, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and, if necessary, pursue civil remedies under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance Actual damages, statutory damages, punitive damages, costs, and attorneys fees

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