Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Dear Equifax, I am writing to formally dispute an inaccurate item on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the following error. 
Disputed Item : Creditor Name : CREDIT ACCEPTANCE CORP Account XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX Account XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX  Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 


Disputed Item : Creditor Name : XXXXXXXX XXXX XXXX  Account XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX  Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Under the FCRA, you are required to investigate and respond within 30 days. Please correct the error and provide me with an updated copy of my credit report. If you are unable to correct the inaccuracy, please provide a detailed explanation of your findings. 
If the inaccurate information is not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a written response at your earliest convenience.

Company response to consumer: Closed with explanation