Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am filing a complaint regarding Credit Acceptance Corporation and the inaccurate reporting of an auto loan account on my credit reports. This account is currently being reported as severely delinquent with a balance of approximately {$10000.00} and a status of 120+ days past due. However, the information being reported about this account is inconsistent across the three major credit reporting agencies. Each credit bureau appears to report different information regarding the payment history, balance, or account status. Because the information differs between the credit bureaus, I have reason to believe that the reporting is inaccurate, incomplete, and has not been properly verified. I previously disputed this account in XXXX due to inaccuracies in the reporting. The dispute was denied ; however, the information currently being reported remains inconsistent and appears to be incorrect. Specifically, the following issues remain unresolved : The payment history being reported does not accurately reflect the account. The date of first delinquency has not been properly verified. The balance and account status appear inconsistent with the payment history reported. The credit bureaus did not provide documentation supporting the verification of this account. Different information is being reported by the three credit bureaus. Another concern is that the information reported by Credit Acceptance Corporation is not consistent across the XXXX major credit reporting agencies. Accurate credit reporting requires that furnishers of information provide complete and consistent data to all credit reporting agencies. The discrepancies between the bureaus raise serious concerns about whether the information being reported has been properly verified or reported in compliance with federal law. Additionally, the vehicle associated with this loan was involved in an accident on XX/XX/XXXX and was declared a total loss. I recently contacted the company and was informed that I still owe the remaining balance. However, the reporting on my credit file does not clearly explain how the balance was calculated following the loss of the vehicle. If insurance payments, settlements, or other adjustments were applied to the account after the vehicle was totaled, those transactions should be accurately reflected in the account balance and reporting. At this time, the reporting does not clearly explain how the remaining balance was determined after the total loss of the vehicle. Under the Fair Credit Reporting Act ( FCRA ), both credit reporting agencies and furnishers of information are required to conduct a reasonable investigation when a consumer disputes inaccurate information. At this time, I am requesting that Credit Acceptance Corporation and the credit reporting agencies : Provide full documentation verifying the accuracy of this account, including the original loan agreement bearing my signature and the complete payment history for the life of the loan. Verify and provide documentation confirming the correct date of first delinquency. Provide documentation explaining how the remaining balance was calculated after the vehicle was declared a total loss. Explain why different information is currently being reported to the three major credit reporting agencies. Correct any inaccurate or inconsistent reporting immediately. If this account can not be fully verified with proper documentation, it must be removed from my credit reports in accordance with the Fair Credit Reporting Act. ( After reviewing my credit reports from XXXX XXXX XXXX XXXX I discovered that Credit Acceptance Corporation is furnishing different information about the same account to each bureau. Because the balance, payment history, or account status is not consistent across the credit reporting agencies, the information can not all be accurate. This raises serious concerns about whether the information is being reported in compliance with the Fair Credit Reporting Act. I am requesting that Credit Acceptance Corporation explain the discrepancies between the three credit reports and provide documentation verifying which information is correct. )

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