Date Received: 2022-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a Credit Acceptance customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX Legal Counsel Regulatory Compliance '' Credit Acceptance has negatively affected my XXXX XXXX for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and XXXX. Credit Acceptance needs to update my credit report with XXXX, XXXX and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to each merchant to have and account deletion letter to each reporting agency, I have done this over the phone and I writing and I have gotten no help and the run around after following all steps given by each credit bureau. Auto sales pre-qualification became hard inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TO : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you furnish. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and or a civil suite should you continue in your non-compliance. I further remind you that, as in 15 U.S. Code 1681 ( n ), you may be liable for your willful non-compliance. Credit reporting laws ensure that financial institution must report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. Which you fail to do. Pursuant 15 U.S Code 166b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In responds of my CFPB complaint ID XXXX, as shown in Exhibit ( A ) you have stated my review confirms that we provided you with notice about our information sharing practices in the Welcome Letter we sent to you on XX/XX/XXXX. That letter stated : WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNTS TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. We also sent you a copy of our Annual Privacy Notice on XX/XX/XXXX Prior to that, you acknowledged and agreed to the terms and conditions of the enclosed Consent and Authorization form allowing us to run your credit as part of your application process. you also acknowledged and agreed to the terms of the enclosed Application, which provided your consent to standard credit review language. Your privacy rights were not infringed by Credit Acceptance checking your credit as part of the application process or accurately reporting your account status to the credit bureaus. Your Company 's Consent and Authorization Form you have sent in response of my CFPB Complaint ID XXXX and XXXX Complaint as shown in Exhibit ( A ) DOES NOT include an option to opt out of credit reporting that you must provide according to 15 U.S. Code 6802. 15 U.S Code 6802 -Obligations with respect to disclosures of personal information states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlesssuch financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. You did not give me the option to exercise a nondisclosure option. Your Companys consent and authorization form mentions the Gramm-leach Bliley Act, it talks about you reporting my nonpublic person information, but I am aware that in accordance with the Gramm-leach Bliley Act, I the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given a clear and conspicuous explanation of how to exercise that nondisclosure option. I have NEVER received such an explanation. The ( GLB ) Financial Privacy Rule under 16 CFR Part 313 states the regulations require financial institutions to provide particular notices and to comply with certain limitations on disclosure of nonpublic personal information. A financial institution must provide a notice of its privacy policies and practices with respect to both affiliated and nonaffiliated third parties, and allow the consumer to opt out of the disclosure of the consumers nonpublic personal information to a nonaffiliated third party if the disclosure is outside of the exceptions. YOUR OBLIGATIONS UNDER THE PRIVACY RULE, Privacy Notices, The Contents of the Privacy Notice, The Appearance of the Privacy Notice, Safeguarding NPI, Delivering Privacy Notices, Opt-Out Notices, General Obligations Exercising the Opt-Out Right, The Shelf Life of an " Opt-Out '' Direction, Summary Of Notice Requirements Exceptions. I am aware as a XXXX XXXX, you are to make sure your company is in compliance with the law 100 %. Youve also stated in Exhibit A, As of XX/XX/XXXX, we are accurately furnishing your account status to the credit bureaus as 180 days or more past the due date. This information is consistent with your account history and your enclosed payment history, which shows you have not made a payment since XX/XX/XXXX. I recently pulled my credit report on XX/XX/XXXX it shows you are in fact still reporting my nonpublic information inaccurate as shown in Exhibit ( B ). you are reporting 180 days past due to XXXX and not XXXX and XXXX. In the Payment status section of my credit report, you are reporting to XXXX 120 days late, XXXX 120 days late and to XXXX 180 days late. In the date of last payment status section of my credit report you are reporting to XXXX a last payment date of XX/XX/XXXX but in the two-year history section of my credit report you are reporting to XXXX a last payment date of XX/XX/XXXX. In the date of last payment status section of my credit report you are reporting to XXXX a last payment date of XX/XX/XXXX but in the two-year payment history section you are reporting XX/XX/XXXX. Also, to XXXX you are reporting a date of last payment of XX/XX/XXXX but in the two-year payment history section of my credit report you are reporting to XXXX XX/XX/XXXX XXXX But you stated in you CFPB response that my last payment was XX/XX/XXXX. So, when was my last payment exactly? You are also reporting to all 3 credit reporting agencies a different past due balance, XXXX and XXXX {$2200.00} and XXXX {$1800.00}, but in your CFPB Complaint you stated on XX/XX/XXXX that your account is past due {$3100.00}. Nothing of what you are reporting is accurate, nor is it fair and equitable to me. what you are reporting is not consistent with what have stated in your CFPB response by any means. this is a violation of the FCRA 15 U.S Code 1681 ( a ) Accuracy and fairness of credit reporting and 15 U.S Code 1692 ( a ) Abusive Practices. Please provide the written instructions that I, the consumer gave to Credit Acceptance, which has authorized the furnishing of any nonpublic information. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently furnished consumer report using my identifying information and Credit Acceptance Corp must update the following late payment to PAID AS AGREED or DELETE to all consumer reporting agencies immediately to protect against further unauthorized access to or my nonpublic personal information. If credit acceptance, can not provide me with proof such a tracking number or a certified mail return receipt proving your company sent me a Welcome Letter on XX/XX/XXXX, providing proof your company adopted reasonable procedures to ensure my periodic statement was delivered to me no later than 21 days before the payment due date, this alleged late payment must be removed. Or I am demanding the following late payment are updated to " PAID AS AGREED of each late payment is summited to the credit reporting agencies immediately to prevent me from receiving more harm because of the fraud that has taken place. Until the requested documentation is received, this request for documentation shall be treated as a BILLING ERROR and an ERRONOUSLY BILLED AMOUNT section 1666 of title 15XXXX Credit acceptance, as the creditor may not collect any dispute amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my final attempt at peaceful mediation. Your failure to comply will result in me pursuing civil for damages action pursuant to 15 U.S Code1692 ( k ) and 15 U.S Code 1640. Also, your failure to comply will result in civil liability Pursuant to 15 U.S Code 1681 ( n ). I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a finical institution such as reporting inaccurate information is a direct violation of 15 U.S Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S Code 6821 such a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S Code 6823 ( a ) to fines under Title 18 U.S Code 3751 with fines up to {$500000.00} or imprisoned for up to five years or both. Thanking you in advance for your precipitated quick co-operation on this important matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I always call credit acceptance to help me with my bill and everytime i call i get a customer service advisor forcing me to pay up and asking XXXX dollars even when i miss my payment agreement vs me comminuting with to make a payment agreement to a different date I feel like im always get treated disrespectfully everytime i call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For the past 6 months. Along with letters sent in XXXX of XXXX Credit Acceptance Corporation has been misreporting incorrect information; such as balances, payment dates, opening dates, comments and reporting misinformation on all 3 credit reports. This has caused my opportunity to obtain credit to be difficult. They have two bureaus reporting closed and one reporting still open plus 120 days late. This is a violation of the FCRA. Also, balances are incorrect from the paperwork Credit Acceptance has sent to me. They received GAP insurance money plus money from the sale of the vehicle. Credit Acceptance never granted me the resale paperwork or deficiency until after the vehicle was sold and they wanted to ask for the debt to be covered. Credit Acceptance also stated that the balance was XXXX, later changing it to around XXXX and reporting to bureaus the amount of XXXX. All faulty information. Please look at the incorrect information attached and have them remove their name and accounts off of my 3 consumer reports immediately. Ive asked them to DELETE several times and sent them the errors made. They take my proof and not fix the issue every time. Along with trying to cover their tracks. This violates FCRA code 623 ( a ) ( 1 ) ( c ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company in question : Credit Acceptance E Corp Purchased vehicle : ( XXXX XXXX ) Date : XX/XX/XXXX made on-time payments each month til XX/XX/XXXX. During such time, the engine went out in the vehicle. I voluntarily returned the car ; via being towed after an assessment was determined the vehicle would need an engine replacement. Upon returning the vehicle, the dealership returns {$3500.00} cash back to me in good faith. Unfortunately, the dealership is no longer in business, yet Credit Acceptance E Corp did receive the vehicle back and was able to make additional monies off the vehicle. In regards to my credit report, the reporting of this particular issue continues to disappear and reappear, also payments and the amount owed changes as well. I would like this account completely removed from my credit report until Credit Acceptance E Corp answers and replies in making this matter correct. I never refused to return the vehicle and I was told by the dealership that this would not be considered a repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. Credit Acceptance ( Furnisher ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. Credit Acceptance stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and XXXX payment was made XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX, Credit Acceptance failed to report payment delinquency information on credit reporting payment history. Credit Acceptance is furnishing re-aged payment history reference " payment history legend. '' Credit Acceptance " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. Per XXXX online credit file, Credit Acceptance is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. Referencing the 1st page attached, Credit Acceptance is redirecting me to address inaccurate information on my credit file to XXXX, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, Credit Acceptance has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my XXXX credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Family income changed during the pandemic due to job losses and wasnt able to afford vehicle payments. Before this happened payments were on time.I informed credit acceptance I can not afford vehicle due to this. They refused to let me relinquish it. It took over a year for them to finally repossess it., sold the vehicle and now are attempting to sue me for the remaining balance. I denied this due to me informing them I can not afford. I wasnt the only person that suffered during the pandemic. They are during for XXXX they also offered an settlement amount of XXXX by XX/XX/XXXX but proceeded to serve me papers for court.the documents I was served says I failed to object to the amount owed which is false. They are attempting to push me into a debt I can not afford. I wasnt the only person affected by the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The dates I am note actually sure. I brought an used vehicle and when I test drive it I had no issues so I then proceeded with purchasing it. After driving a while the car would jerk and than stop I spoke with the salesmen and Advised him of what was going on and I also took it to be tested and there was something wrong with the engine valves I was then told the car wasnt worth the money. After getting an oil change I woke up to go to work the car would not start. I had the vehicle towed to my mothers home so it could be looked at the tow truck came and repossessed the car I was walking out to give them the keys and they drove off really fast. I feel like I should be relived or have and very low pay amount being that I was sold an bad car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A