Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquires on my credit report and wish to have them removed. references include. XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 604 A SECTION 2 15 U.S. Code 1681 section 602 A - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I had a family member go into a small car lot guy apparently knew her allowed her to sign my name on a car with credit acceptance. It's ran my debt to income ratio where I can't even get my home loan in rent Credit acceptance is crooked and I need help. This is not right I'm XXXX. Drug induced people and scammers on lot put down this person paid XXXX??? It's fraud and I have no helpm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In Credit Acceptance 's previous response to my CFPB complaint, they mentioned the late payment information they are furnishing on my consumer report to the consumer reporting agencies was accurate information and they provided transaction history as evidence supporting such accuracy. However I made Credit Acceptance aware that transaction history is insufficient evidence in supporting that the alleged payments reporting as late is accurate information. According to the FCRA 15 U.S.Code 1681a ( 2 ) ( i ) My transactions and experiences with Credit Acceptance are to be excluded from my consumer report. As youll see from the attached consumer reports, Credit Acceptance has inconsistently reported late payment information, which is not congruent across all consumer report ing agencies consistently since XXXX XXXX XXXX. As a result, I can confirm that Credit Acceptance have inaccurately furnished several late payment information to the consumer reporting agencies and that they are in clear violation of the law. According to federal law 15 U.S. Code 1666b As a creditor under federal law ; in order for Credit Acceptance to treat a payment as late they must prove that : The information required under 15 USC 1637 ( b ) was mailed or delivered to me 21 Days before each payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer. Credit Acceptance can not treat any payment as late without complying with this section of the law! Ive requested in good faith under rule 1002 the documents that show proof that the information pursuant to 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Ive made Credit Acceptance aware that if they can not provide the proof of the mailing or delivery of the information required by 15 usc 1666b and 1637 ( b ) they can not treat or furnish a payment as late and they must delete all late payment information including transactions they have been listed on my consumer report. In addition, when providing such information, the process must be certified by an agent that the information is accurate. I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. Furthermore, as a furnisher under the Fair Credit Reporting Act to properly report this information as accurate and verified, Credit Acceptance must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met. Because Credit Acceptance has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, unless Credit Acceptance submits proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ), they may not report ANY late payment information to the consumer reporting agencies including but not limited to ; Account Status, payment history, past due Balances. Because Credit Acceptance has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, if the evidence available to Credit Acceptance is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, Credit Acceptance as the furnisher must report that its investigation concluded that the disputed information can not be verified and it may be appropriate to delete any mentions of the missed payments while continuing to report other information about the account. I am demanding Credit Acceptance to delete the late payment information they are furnishing to the Consumer Reporting Agencies from my account. Credit Acceptance has infringed upon my privacy rights by providing my nonpublic personal information to third party companies such as XXXX, XXXX, and XXXX. Within their privacy policy, it is mentioned my nonpublic personal information to non affiliates will not be shared. XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX are all third party companies. Credit Acceptance also mentioned in their previous response that I can not opt out of credit reporting because I financed a vehicle through credit acceptance. I politely request Credit Acceptance to provide such law/evidence supporting such claim. According to federal law, Credit Acceptance is to provide a method for which I can prevent them from disclosing my nonpublic personal information by way of opting out. Pursuant to 12 CFR 1016.7 & 15 U.S. Code 6802 before the time that any of my nonpublic personal information is initially disclosed, specifically to the consumer reporting agencies, to direct that such information not be disclosed to such third party ; and I am given an explanation of how I can exercise my right to opt out. Pursuant to 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. As a federally protected consumer, I put Credit Acceptance on notice I am now opting out of any and all authorization I the consumer may have given them, written, unwritten, verbal, and nonverbal ( in disclosing my nonpublic personal information ) per 15 U.S.Code 6208. In accordance with 12 CFR 1016.7 ( h ) & ( i ) Credit Acceptance must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically. The Following statutes referenced, Credit Acceptance has not fully compiled with. By Credit Acceptance furnishing my transactions and experiences with their company along with attempting to use transactional history as sufficient evidence on my consumer report to the consumer reporting agencies, when it is to be excluded is a violation of the FCRA 15 U.S.Code 1681a ( 2 ) ( i ). By Credit Acceptance failing to proceed in accordance with the requirements for a creditor to treat the payments your furnishing from XX/XX/XXXX to XX/XX/XXXX as late and failing to provide the required information and proof of such information being mailed or delivered to me, is a violation of 15 U.S. Code 1666b & 1637 ( b ). By Credit Acceptance furnishing any late payment information to any consumer reporting agency without being in compliance with 15 USC 1666b & 1637 ( b ) is a violation of 15 U.S. Code 1666b & 1637 ( b ). By me the consumer notifying Credit Acceptance about the specified information being inaccurate and them continuing to furnish any late payment information to any consumer reporting agency knowing theyre not in compliance with 15 usc 1666b which means the information is inaccurate is a violation of the FCRA 15 USC 1681s-2. By Credit Acceptance refusing me my right to protect my nonpublic personal information from being disclosed to the consumer reporting agencies is a violation of the Privacy Act of XXXX. By Credit Acceptance refusing me my right to opt out of sharing my nonpublic personal information with the consumer reporting agencies is a violation of 12 CFR 1016.7 & 15 U.S. Code 6802. In conclusion, Credit Acceptance has failed to fully comply with various laws. Credit Acceptance has clear requirements and responsibilities as a Financial Institution, a Creditor, and a Furnisher in accordance with federal law. They have been made aware and put on notice, Credit Acceptance must be held liable for any amount equal to the sum of the cost of action taken to enforce any liability including but not limited to attorney fees and any damages i've occurred due to the result of them continuously willfully and/or negligently failing to comply with any law herein.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Acoount Name : Credit Acceptance XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Credit acceptance is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract. So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX. Again, this is Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78586
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing to formally dispute inaccurate information on my credit report provided by Credit Acceptance and reported to XXXX and XXXX. The discrepancy involves the reporting of my first late payment, which Credit Acceptance asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XXXX XXXX This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. I have attached documentation clearly demonstrating that the first late payment occurred in XXXX XXXX XXXX XXXX XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided. Furthermore, I assert that Credit Acceptance has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and XXXX. * A comprehensive and diligent investigation into Credit Acceptance 's reporting practices to ensure compliance with the FCRA. * Assurance that Credit Acceptance rectifies any inaccuracies promptly to prevent further harm to my credit standing. I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I recently had a loan for a car through Credit Acceptance. I learned of the Attorney General 's and the Consumer Financial Protection Bureau. I believe that I am a victim of the predatory practices by the lending program of Credit Acceptance. My wages have been garnished in the past when I began ill had XXXX and subsequently lost my job. A payout of {$5000.00} from an insurance company was also paid toward the loan. I recently received a notice from the XXXX XXXX XXXX department informing me of an impending garnishment of wages from my current employer. I am in desperate need of assistance to resolve the lending practices and also prevention and protection from Credit Acceptance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CREDIT ACCEPTANCE CORPOR is the XXXX {$28000.00} Original balance {$19000.00} that XXXX XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report. this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65101
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: these are unauthorized inquiries, and these transactions are not related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Reporting wrong account number with XXXX. Creditor and credit bureau reported the statement included in bankruptcy on the account comments which is not allowed and Im requesting the inaccurate reporting account be removed. 24 months pay history should not be counted months after filing XXXX XXXX but the credit payment chart is inaccurately counting but just not in red. Requesting account removal due to severe inaccurate reporting to enable my ability to recover a better credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A