Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Retail Installment Contract Signed : XXXX XXXX XXXX XXXX Statute of Limitations ( SOL ) for Debt Collection : XXXX XXXX 6 years for retail installment contracts. 
Arkansas ( Wage Garnishment ) : 5 years for debt collection. 
Debt Collectors Claim : Judgment since XXXX, exceeding both states ' SOLs. 

Credit Acceptance Corporation - Violations : XXXX Statute of Limitations ( XXXX XXXX. XXXX ) : Retail installment contracts have a XXXX XXXX ; contract signed in XXXX exceeds this limit. 
Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) : No permissible purpose for reporting my consumer information without consent. Account was illegally provided to : o XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( debt collector ), XXXXXXXX XXXX XXXX  ( previous employer ). 

According to Privacy Act of XXXX ( 5 U.S.C. 552a ) : Prohibits disclosure of personal records without consent.

Credit Acceptance provided my information to XXXX XXXX XXXX XXXX  which is a 3rd part nonaffiliate without receiving my written consent Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ( c ) ) : Prohibits financial institutions from sharing personal financial information without opt-in consent. 
Breach of Contract ( Arbitration Clause ) : Failure to notify before repossession ; no Notice of Intent to Arbitrate was provided before they repossessed the vehicle.

Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : Misleading and deceptive contract terms.

Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : Discriminatory lending practices and unauthorized data sharing. 
Connection to CFPB Lawsuit Against Credit Acceptance : Violations align with the pending CFPB lawsuit against Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violations XXXX XXXX  Statute of Limitations XXXX XXXX XXXX XXXX XXXX XXXX Debt collection SOL is 5 years ; wage garnishment in XXXX violates this limit. 
Privacy Act of XXXX ( 5 U.S.C. 552a ) : Prohibits disclosure of personal records without consent. 
Debt collector provided my private information to my at the time employer XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ( 10 ) ) : Prohibits false or deceptive means to collect a debt. 
Consumer Credit Protection Act ( 15 U.S.C. 1673 ( a ) ) : Limits garnishments and mandates proper notification.

Failure to Provide Written Debt Validation : o FDCPA ( 15 U.S.C. 1692g ) Requires a written validation notice within 5 days of first contact.

o 12 C.F.R. 1006.34 Mandates clear debt validation disclosures. 
Unauthorized Disclosure of Personal Financial Information to Employer : o FCRA ( 15 U.S.C. 1681b ( f ) ) Prohibits unauthorized sharing of financial data.

o GLBA ( 15 U.S.C. 6801-6809 ) Requires financial institutions to protect consumer information.

Unlawful Collection Practices & Third-Party Involvement : o FDCPA ( 15 U.S.C. 1692c ( b ) ) Prohibits communication with third parties without consent.

o FDCPA ( 15 U.S.C. 1692d ) Prohibits harassment in debt collection. 

XXXXXXXX XXXX XXXX XXXX Violations : Unauthorized Disclosure of Employee Personal Information : o Privacy Act of XXXX ( 5 U.S.C. 552a ( b ) ) No agency shall disclose personal records without written consent.

o FCRA ( 15 U.S.C. 1681b ) Prohibits sharing consumer data with unauthorized third parties.

o GLBA ( 15 U.S.C. 6801-6809 ) Prohibits unauthorized sharing of consumer financial data. 
XXXX XXXX XXXX XXXX ( Deceptive Trade Practices Act ) Prohibits unauthorized information disclosure.

Unauthorized Sharing of Employee Wage & Employment Information : o FDCPA ( 15 U.S.C. 1692c ( b ) ) Prohibits third-party involvement in debt collection without consent.

o Consumer Credit Protection Act ( CCPA ) ( 15 U.S.C.
1673 ( c ) ) Violated wage garnishment laws.

o Disclosed employment details ( hire date, pay rate, job title, etc. ) without authorization. All outlined on the ( Writ 4 ) INTERROGATIES AND REQUEST FOR PRODUCTION TO BE ANSWERED BY GARNISHEE page of the Writ of Garnishment.

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