Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: QUALITY ACCEPTANCE LLC
State: KS

Complaint narrative:
RE : Complaint Against Quality Acceptance LLC for Illegal Credit Reporting To Whom It May Concern, I am submitting this complaint regarding Quality Acceptance LLC, who is knowingly reporting inaccurate, outdated, and unlawful credit information on my XXXX credit report. 

Account Information Creditor : Quality Acceptance LLC Account Type : Auto Loan Date Opened : XX/XX/XXXX Repossession/Charge-Off Year : XXXX Account Closed/Last Activity : XXXX XXXX. Background and Violations A. Vehicle was repossessed in XXXX and the debt was paid by a collection agency My vehicle was repossessed in XXXX. The balance owed to Quality Acceptance was paid/settled through a collection agency, and the company accepted that payment. After payment was accepted, the account should not continue reporting new late payments, new balances, or new past-due amounts. 

B. They continue to report late payments every month through XXXX Despite the account being charged off, closed, and settled years ago, Quality Acceptance is still reporting : New late payment marks for every month from XXXX through XXXX A continually increasing past-due amount A last payment update in XX/XX/XXXX, which is impossible and inaccurate This is not permissible under federal law. 

XXXX They are reporting this debt for longer than 7 years The repossession and last date of delinquency occurred in XXXX. 
Under federal law, a repossession/charge-off can not be reported longer than 7 years from the Date of First Delinquency XXXX XXXX XXXX. 

Yet Quality Acceptance continues reporting in XXXX, beyond the XXXX limit. 



XXXX. Fair Credit Reporting Act ( FCRA ) Violations Quality Acceptance is violating multiple sections of the Fair Credit Reporting Act : FCRA 623 ( a ) ( 1 ) ( A ) Duty of furnishers to provide accurate information They are knowingly reporting false payment history, false past-due amounts, and false updates for years after the account was closed and settled. 

FCRA 623 ( a ) ( 2 ) Duty to correct and update information They have refused to correct the inaccurate information after I disputed it. 
The credit bureau shows : Account previously in dispute investigation complete, reported by data furnisher. 
This means they intentionally re-certified false data. 

FCRA 605 ( a ) Obsolescence rule Negative information such as a repossession or charge-off can not be reported longer than 7 years from the original delinquency date. 
The XXXX was no later than XXXX. 
Reporting it in XXXX is a clear violation. 

FCRA 611 Right to dispute inaccurate information After disputing with XXXX, the furnisher refused to supply corrected data or conduct a proper reinvestigation. 



XXXX. What I Am Requesting I am requesting that the CFPB : XXXX. Open an immediate investigation into Quality Acceptance LLC. 
XXXX. Require the furnisher to provide proof of : Payment history, Actual XXXX, Documentation showing why they are reporting new late payments after the account was closed. 
XXXX. Order the immediate removal of the entire account from all credit bureaus if the furnisher can not legally verify its accuracy. 
XXXX. Ensure Quality Acceptance ceases illegal reporting beyond the XXXX limit. 



XXXX. If Corrections Are Not Made Within XXXX Days If this inaccurate and unlawful reporting is not corrected within XXXX days, I will : Pursue a civil claim under FCRA XXXX for willful and negligent non-compliance File complaints with my state Attorney General Seek statutory damages, punitive damages, and attorney fees XXXX. Conclusion The account is being reported inaccurately, illegally extended past the XXXX reporting window, and contains false updates years after the loan was settled. 

I am requesting that this account be immediately deleted under federal law. 

Thank you for your assistance.

Company response to consumer: Closed with explanation