Date Received: 2021-07-07
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: This company credit acceptance or the dealership fraudulent changes and over charge over XXXX in a loan Im the co-signed the dealership is out of business credit acceptance dont respond or investigate this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent 3 dispute letters on the dates below because CREDIT ACCEPTANCE is reporting inaccurately and violating my rights under the FCRA and FDCPA. This account has been closed since XX/XX/XXXX and it is still reporting as an open account, there are late payments still reporting even after this account has been closed and this account has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX, so they are reporting old debt as new debt. On XX/XX/XXXX, I disputed an account reported by CREDIT ACCEPTANCE and I was informed on XX/XX/XXXX that the item was deleted from my XXXX credit report. Now I have discovered that the item has been reinserted on my credit report and I was not notified of the reinsertion in writing within 5 business days. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what I know are erroneous from my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX my husband and my daughter took his nieces information and used it to purchase a car. His niece reached out to me today and it is time the truth come out. She stated she has been disputing the charges. She is not liable for this account. Back in XXXX we all lived in a family house and I dont know what gave him the idea to take her information fraudulently and commit identity theft. He got my daughter involved. The dealer didnt pay close attention to the copy of drivers license and let them use it. This is a case of identity theft. My husband has sense passed away and I believe guilt from doing all of this has a lot to do with it. He diverted all the mail so that no mail would go to the house. He opened bank cards in their name, he forged letters and had money taken from their work checks. In XXXX my daughter wrote a letter to Credit Acceptance pretending as she always have to be the party at hand. She did not write a letter to Credit Acceptance. After my husband passed away my daughter surrendered the vehicle. The people this is affecting has nothing to do with this. My husband committed identity theft and opened this account fraudulently, he is no longer here to pay for his actions. I can no longer live with this on my conscience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX XXXX never gave these credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX till XX/XX/2021 i have sent in multiple documents stating facts and truth regarding the account and they keep saying its reporting accurate. Also i was victim of identity theft i made a police report and submitted it to comenity bank and they still are reporting the account on my credit report. They told me the police report was not enough for them to investigate and said it will remain on my credit report until i pay the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Around XX/XX/XXXX my identity was stolen and someone purchased a vehicle from XXXX XXXX in XXXX, Kentucky. {$1200.00} was stolen from my account from XXXX XXXX and applied towards the down payment. Upon disputing the {$1200.00} taken by XXXX XXXX with XXXX XXXX. I was issued a credit in the amount of {$1200.00} because the investigation proved that I did not make this purchase. I have attempted several times to resolve this issue with XXXX XXXX and every time XXXX told to contact Credit Acceptance the auto Finance company. After several attempts and a year later I have not been capable of resolving the issue. Credit Acceptance stated they investigated my claim and that it was myself that purchased a XXXX XXXX XXXX for {$18000.00}. They have not presented me with any documentation to show that I bought a vehicle and they refuse to remove this account from my credit bureaus. I am exhausted with trying to resolve this issue and I would like to know what I should do to get this account removed from my credit bureaus. If I need to retain a lawyer and file a lawsuit against Ideal Auto and Credit Acceptance I will do that but I would prefer to know if thats my only option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40219
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to delete the following information in my file. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. These creditors have reached out to me through letters even after cease and desist were told. Also if my information is sold to a collection agency without my consent this should not be reporting on my credit report. It has been more than 30 days since these disputes have been filed. I am unable to attain a home or get any credit because of these inaccuracies on my credit report. These accounts also were not finance charges. Only finance charges by law should be reflecting on my credit report. I would also like to receive damages for being homeless because of lack of credit because the bureaus report inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49442
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In regards to CREDIT ACCEPTANCE CORP ( XXXX ) XXXX-XXXX XXXX XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e. The information is violation of 15 USC 1692d
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A