Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to express grave concerns regarding the handling of my personal information by your agency, which appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and its associated regulations. As outlined in Section 602 ( a ) of the FCRA ( 15 USC 1681 ), there is an explicit need to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a deep regard for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, are bound by this mandate. As a consumer, I assert my right to safeguard my private information from unwarranted disclosure. Furthermore, Section 6801 of the FCRA ( 15 USC 6801 ) underscores Congress 's policy that financial institutions must affirmatively and continuously uphold the privacy of their customers ' information. The entity furnishing information to credit agencies falls under this category of financial institutions. It is imperative that my personal data is handled with the utmost care and confidentiality. In accordance with Section 604 ( a ) ( 2 ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, notably with the written instructions of the concerned consumer. Neither XXXX, XXXX, nor the furnisher of information to credit agencies have obtained my consent, written or otherwise, to furnish my information. Therefore, any prior consent given is hereby revoked. Moreover, Section 6802 ( b ) ( c ) of the FCRA ( 15 USC 6802 ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding their nonpublic personal information. However, I was never notified of this right by the furnisher of information to credit agencies. Additionally, Section 1681c ( a ) ( 5 ) of the FCRA prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. It has come to my attention that an adverse item is being reported without my consent, contravening the law. Furthermore, Section 1681s2 ( a ) ( 1 ) of the FCRA stipulates that information furnished to consumer reporting agencies must be accurate, and Section 1681e mandates that these agencies maintain reasonable procedures to avoid violations. It is evident that XXXX and XXXX are failing to meet these statutory requirements. Lastly, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services effective immediately. I demand prompt action to rectify these violations of the FCRA and related regulations. I expect confirmation of the deletion of the accounts listed and assurance that my personal information will be handled in accordance with the law moving forward. 

XXXX XXXX XXXX bankruptcy discharged XXXX Inquired on XX/XX/XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/XXXX XXXX XX/XX/XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/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 explanation