Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
This is a follow-up complaint regarding an auto loan account reported by Credit Acceptance , which I originally disputed on XX/XX/XXXX ( CFBP Compliant # XXXX ). I am now providing additional information and requesting further investigation, as the company has not responded with any proof of validation or resolution within the 15-day window. 

This account was first reported in or around XX/XX/XXXX, yet not a single payment has ever been made on this loan something Credit Acceptance themselves acknowledge in their monthly reporting. Despite this, the account has been continuously marked as 180 days late every single month for nearly five consecutive years.

This is not only inaccurate, but also a blatant violation of FCRA guidelines and XXXX XXXX reporting standards. According to both, an account that remains unpaid for this long should have : -Been charged off after 180 days of delinquency -Been sent to collections or closed with a final status -Reflected a clear and final resolution not indefinite delinquency Instead, Credit Acceptance continues to re-age the account each month to artificially suppress my credit score, with no repossession, no collection activity, and no written validation of the debt. There has been zero documentation provided to confirm ownership, and no record of any repossession notice or final demand. I have lived at the same address since XXXX and never received a formal attempt to collect on this loan through appropriate legal or written channels. 

To further support this complaint, I previously uploaded a copy of the settlement offer Credit Acceptance sent me earlier this year an offer that attempted to resolve an account they never validated and that I never acknowledged as legitimate.

More recently, since opening the original CFPB complaint, Credit Acceptance has attempted multiple times to contact me by phone, leaving voicemails asking me to " discuss '' the account. These calls are now blocked. This behavior raises further concern, as they had nearly five years to resolve this matter through proper channels but chose not to. I am no longer open to informal conversations or verbal negotiations.

I am requesting the following resolution : -That this account be immediately blocked and permanently deleted under 15 U.S.C. 1681c-2 ( Section 605B ).

-That Credit Acceptance be held accountable for ongoing misreporting, re-aging of tradelines, and noncompliance with XXXX XXXX standards. 
-That the credit bureaus be instructed to remove the account across all reports due to failure to validate and sustained FCRA violations.

This account has reported 68 months of late payments without ever being validated. It is abusive, misleading, and deliberately damaging. I am requesting swift action and written confirmation that this dispute has been resolved.

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