Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Rebuttal to Credit Acceptance Response To Whom It May Concern, I am in receipt of your letter dated XX/XX/year>, and after full review, I hereby rebut your claims in their entirety. Your response is factually deficient, legally flawed, and constitutes continued misrepresentation of your authority to collect on a disputed, fraudulent, and improperly reported debt. 



1. Debt Validation & Fraudulent Construct You state that Credit Acceptance is not required to respond to debt validation requests in Illinois. This is inaccurate. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt in writing, collection activities must cease until validation is provided. While you attempt to distinguish yourself as a furnisher, the fact remains that you are reporting disputed information to credit agencies and attempting to collect on an alleged debt. That places you squarely under FDCPA obligations. 

Additionally, your reporting is under a fictitious ALL-CAPS name which is not my true living name. Continuing to enforce a contract under a mischaracterized entity is fraudulent misrepresentation. Courts have held that creditors must provide original, verified accounting ledgers not merely copies of electronically generated contracts. You have failed to meet that burden. 



2. Credit Reporting Violations ( FCRA ) Under 15 U.S.C. 1681s-2 ( b ), furnishers have an affirmative duty to investigate and correct inaccurate or incomplete information once a dispute is raised. Your repeated claim that reporting is accurate does not constitute a lawful reinvestigation. Your refusal to delete or correct disputed reporting is a violation of the Fair Credit Reporting Act ( FCRA ). 



3. Unconscionable Contract & Vehicle Abandonment You argue that I remain liable for payments even though the vehicle was abandoned. However, under UCC 2-302 ( Unconscionable Contracts ), clauses that impose continued payment obligations where no consideration exists ( no vehicle in possession, no benefit received ) are unenforceable. Moreover, you failed to mitigate damages by recovering the vehicle, as is standard industry practice. This constitutes bad faith performance under UCC 1-304. 



4. Notice of Litigation & Fines You have failed to : Validate the alleged debt lawfully. 
Cease collection activity during dispute. 
Correct false reporting. 
Provide statutory authority supporting your claims. 

Accordingly, you are hereby put on notice : If this matter is not remedied by Friday, XX/XX/year>, I will initiate litigation in Federal District Court. 
Causes of action will include : FDCPA violations ( 15 U.S.C. 1692 et seq. ) FCRA violations ( 15 U.S.C. 1681 et seq. ) Breach of UCC obligations ( UCC 1-304, 2-302 ) Fraudulent misrepresentation Emotional distress and reputational harm I will seek statutory damages of {$1000.00} per violation under FDCPA and FCRA, actual damages of no less than {$50000.00}, and punitive damages in excess of {$250000.00}. 

Failure to comply will also result in immediate filings with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General for investigation of fraudulent and abusive practices. 



5. Final Demand You are hereby directed to : 1. Cease all collection activity immediately. 
2. Remove all negative tradelines and reporting related to this disputed account from TransUnion, XXXX, and XXXX. 
3. Provide verified validation with original accounting ledgers and wet-ink contract within 5 days. 

If you fail to comply by the deadline stated above, litigation will proceed without further notice. 



Respectfully, XXXX XXXX XXXX XXXX / Secured Party Creditor

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