Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
CREDIT ACCEPTANCE ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX Subject : Formal Notice of Violations, Demand for Remedies, and Intent to Sue Dear [ CREDIT ACCEPTANCE ], This letter serves as a formal notice of violations related to your handling of my account ( Account Number : CREDITACPT XXXX ), as evidenced by the attached account details. These violations fall under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable consumer protection laws. 

You have failed to comply with your obligations as a creditor or collector, causing harm to my financial standing and emotional well-being. This letter is both a demand for immediate resolution and notice of my intent to file suit for damages if compliance is not achieved within the specified timeframe. 

Alleged Violations : XXXX. Inaccurate Reporting of Account Information The account inaccurately reflects a past due amount of {$9200.00} and a status of late 120 days, despite the account being labeled as closed. Additionally, a closure date of XX/XX/year> is impossible and appears to constitute unlawful re-aging of the account, violating FCRA provisions ( 15 U.S.C. 1681s-2 and 1681c ( a ) ( 4 ) ). 
2. Failure to Validate the Debt You have failed to provide adequate documentation or validation of this debt as required under FDCPA ( 15 U.S.C. 1692g ). 
3. Unfair and Deceptive Practices Reporting conflicting information ( e.g., a highest balance of {$7200.00} versus a past due amount of {$9200.00} ) demonstrates deceptive practices that violate FDCPA 1692e and FCRA reporting standards. 
4. Negligence in Dispute Resolution Prior disputes regarding this account were met with sham investigations, in violation of FCRA 1681i, which mandates thorough and reasonable investigations into consumer disputes.

5. Failure to Address the Consumers Rights By failing to notify me of my right to dispute or validate the debt within five days of your initial communication, you have violated FDCPA 1692g. 

Demands for Remedies : XXXX. Permanent Deletion of the Account All references to this account must be permanently deleted from all credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 
2. Monetary Compensation Compensation for emotional distress, loss of creditworthiness, and harm caused by your actions, in addition to statutory damages under FDCPA and FCRA. 
XXXX. Written Confirmation of Actions Taken A written confirmation detailing the permanent deletion of the account and resolution of all violations must be sent to me within 30 days of receipt of this letter. 
4. Cease and Desist All Collection Activity Immediately cease and desist any further collection attempts on this account. 

Notice of Intent to Sue If you fail to comply with the above demands within 30 days, I will have no choice but to file a lawsuit against your organization for the following : Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Up to {$1000.00} per violation in statutory damages, in addition to actual and punitive damages under 15 U.S.C. 1692k. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Statutory damages of {$1000.00} per violation, attorneys fees, and punitive damages for willful non-compliance under 15 U.S.C. 1681n and 1681o. 
Other applicable state laws providing for additional damages and remedies. 

Furthermore, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General regarding your unlawful conduct. 

This letter constitutes a final opportunity to resolve this matter amicably. Failure to act will result in immediate legal action. 

I trust you will take this matter seriously and respond promptly. All future correspondence must be directed to my attention at the address provided above. 

Sincerely, [ XXXX XXXX ] [ Email- 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