Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX SSN ( last four ) : XXXX DOB : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Credit Acceptance Corporation Attn : Chief Compliance Officer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX : XXXX Re : Account # XXXX XXXX Formal Dispute, Cease & Desist, and Demand for Deletion Dear Chief Compliance Officer : I was recently denied financing for a new vehicle because of the erroneous tradeline you furnished to XXXX, XXXX, and XXXX  under Account # XXXXXXXX XXXX. I hereby dispute each material inaccuracy under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), demand that you cease all communications under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), and insist upon deletion of the entire tradeline. 

1. Material Reporting Violations ( FCRA 1681e ( b ) ) Conflicting Date Opened : XX/XX/XXXX ( XXXX  ) vs. XX/XX/XXXX ( XXXX & XXXX ) Inconsistent Last Reported : XX/XX/XXXX ( XXXX  ) vs. XX/XX/XXXX ( XXXX  ) vs. none ( XXXX  ) Contradictory Comments : XXXX : Account in disputenow resolved merchandise taken back balance due. 
XXXX : Dispute resolved ; reported by grantor. 
XXXX  : no comments. 
Divergent Date Last Active : XX/XX/XXXX ( XXXX  ) vs. XX/XX/XXXX ( XXXX  ) Misleading Payment History Codes : XXXX shows RF ( Repossessed/Final ) for XXXX consecutive monthsrepossession is a one-time event ; XXXX show no such codes. 
Each discrepancy violates your duty to furnish complete, accurate and uniform data. 

2. Improper Repossession Without Consent ( UCC 9-609 ) Your continuous RF reporting implies a self-help repossession. Under UCC 9-609 ( a ), a secured party may repossess collateral only if it can be done without breach of the peace and with proper notice. There is no record you provided advance notice of default or complied with applicable state repossession laws. Your failure to follow required notice and peaceable-repossession standards constitutes wrongful taking of property without my consent. 

3. Charge-Off Status Validation ( FCRA 623 ( a ) ( 8 ) ) You report this account as a charge-off. If the account was properly charged off, you must supply : The exact date of charge-off ; The balance at the time of charge-off ; Any written notice you provided me regarding charge-off.

If you can not verify the charge-off in full compliance with FCRA 623 ( a ) ( 8 ), you must correct the status to open or closed ( as appropriate ) and remove the charge-off designation.

4. Cease & Desist Demand ( FDCPA 1692c ( c ) ) Consider this letter my written demand that you cease all further communications with me regarding this debt, except to notify me of any deletion or correction you make.

Demand for Deletion Because your willful and negligent reporting has directly harmed my ability to obtain credit, I demand that within 10 business days you : Delete the entire tradeline ( Account # XXXXXXXX XXXX ) from my XXXX, XXXX, and XXXX  files ; and Provide written confirmation of each deletion date. 
If you can not delete the tradeline, you must instead supply a XXXX XXXXcompliant reinvestigation report verifying every disputed data point ( dates, codes, charge-off proof and chain-of-custody for any repossession ). 

Consequences of Non-Compliance Failure to comply will leave me no choice but to : Invoke arbitration under my finance agreement by filing a demand with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) ; File complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and Virginia Attorney General ; Seek statutory damages under FCRA 616617 ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 
I expect your immediate confirmation of the requested deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Consumer Financial Protection Bureau Virginia Attorney Generals Office

Company response to consumer: Closed with explanation