Consumer complaint received 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent CREDIT Acceptance you furnished alleged transaction on my XXXX XXXX XXXX XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 



The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : I never claimed my Social Security card itself is a credit card. What I stated was that you used my Social Security number to extend me credit, and under federal law, that qualifies this as a credit card account. 
According to 15 U.S. Code 1602 ( l ), a CREDIT CARD is defined as : ANY CARD ( SOCIAL CARD! ), plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( CAR LOAN/CAR ) The key word here is ANY meaning any form of identification or credit device, including a Social Security CARD number, when used to obtain a loan or property ( in this case, a car and auto loan ), meets the definition of a CREDIT CARD account under federal law. 

Because this qualifies as a credit card account, you are legally obligated to follow all related regulations, including 15 U.S.C. 1666b, which requires timely crediting of payments. You have failed to comply by not accurately updating my account to reflect on-time payments, which I have provided documented proof of. 

Therefore, I am demanding that you immediately update this account to Paid as Agreed across all credit bureaus. Your failure to do so constitutes continued false reporting, credit damage, and noncompliance with federal consumer law.

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