Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Subject : Retaliatory Threat from Furnisher After Disputing Inaccurate Credit Reporting * * * * Company : Credit Acceptance Corporation * * * * My Account Number : XXXX * * Previous CFPB Case Number : XXXX * * To the Consumer Financial Protection Bureau , I am filing this complaint against Credit Acceptance Corporation for engaging in retaliatory and threatening conduct after I exercised my right to dispute inaccurate information on my credit report.

* * Background of Original Dispute : * XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX, I filed a complaint ( CFPB Case # XXXX ) disputing a XXXX late payment Credit Acceptance reported for XX/XX/year>. My dispute was based on clear evidence provided by Credit Acceptance itself, which showed that the company has an inconsistent and selective policy for reporting late payments. 
The payment history shows that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made partial payments that left past-due balances unpaid for over 30 days. On both of those occasions, Credit Acceptance * * did not * * report a 30-day delinquency to the credit bureaus. Moreover, for the payment of XX/XX/year>, there were XXXX payments made, XXXX for {$280.00} and another for {$290.00} totally {$570.00}, leaving an outstanding balance of XXXX cents. Although this is not a significant amount of money, under their strict policy that credit acceptance is holding me to, this should have triggered a 30 day past due balance and or late payment, using their own payment schedule, it is clear that they did not furnish a 30 day past due notice on my account. An identical situation in * XXXX XXXX XXXX XXXX XXXX they did report a late payment. This inconsistent reporting is a violation of the FCRA 's requirement to provide complete and accurate information, as it creates a misleading picture of my payment history. 

* * The Retaliatory Threat : * * After receiving my detailed dispute pointing out this illegal inconsistency, a representative of Credit Acceptance by the name of XXXX contacted me. During this communication, instead of addressing the merits of my dispute, the representative * * threatened to take retaliatory action * *. 

I was explicitly told that if I continued to dispute the inaccurate XX/XX/year> late payment, Credit Acceptance would * * '' update '' my credit history * * to retroactively report * all * previous instances where a partial payment was made ( including the XXXX, XXXX and XX/XX/year> periods ) as XXXX late payments. 
This is not a good-faith effort to comply with the law. This is a threat designed to intimidate me into dropping a valid dispute. The threat itself is a serious violation, and the proposed action would be illegal for several reasons : 1. * * It is Retaliatory : * * Threatening to harm my credit score because I pointed out the company 's own error is an act of bad faith and retaliation against a consumer for exercising a legal right.

2. * * It is Historically Inaccurate : * * The FCRA requires that data be accurate. Reporting a account status as " 30-days late '' for a billing cycle that passed months ago is inherently inaccurate and would mislead
anyone reviewing my credit report.

3. * * It Violates the XXXX and XXXX of the FCRA : * * The purpose of the law is to ensure fair and accurate credit reporting. Credit Acceptance 's threat turns the credit reporting system into a weapon to punish consumers who dare to question them.

* * Desired Resolution : * * I want the CFPB to investigate this retaliatory conduct immediately.

I demand that Credit Acceptance : 1. * * Cease * * all threats of retaliatory credit reporting.

2. * * Provide written confirmation * * that they will not attempt to report historical late payments for periods that have already passed.

3. * * Permanently delete * * the inaccurate XXXX late payment for XX/XX/year>, as it is inconsistent with their own reporting history and is therefore misleading.

4. * * Be held accountable * * for using intimidation tactics against a consumer engaged in a lawful dispute. 

This behavior is unacceptable. A data furnisher can not be allowed to threaten consumers with financial ruin for simply asking them to follow the law. 

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 monetary relief