Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDIT ACCEPTANCE XXXX XXXX ... XXXX XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been disputing my credit report account information as inaccurate and reporting errors with XXXX XXXX XXXX XXXX. I found out about the alleged debt when it was to late. I did not have any knowledge nor did I receive any notifications of the alleged debt. XXXX removed all errors and inaccurate information. XXXX and XXXX are still reporting errors and inaccurate information. Ive contacted both credit bureaus XXXX Credit Bureau and XXXX Credit Bureau numerous of times and disputed those errors and inaccurate information thats remaining on my credit report. Ive also asked them to validate the debt, both credit bureaus have come back to me and stated they were able to verify and validate this debt. How is this possible? Under the laws of the FDCPA, I have contacted both collection agencies myself and have been unable to get them to verify that this is indeed my debt with physical documentation. XXXX is also is reporting errors and incorrect information with the creditor Credit Acceptance Corporation as in late payments. I was never late on this account. I have disputed this error and inaccurate information and I have asked XXXX to validate the account by sending me physical documentation as in the original signed contract bearing my signature including the amount of the monthly payment and the monthly payment due date, copies of the original cashed checks used for bill payment including the dates, bank statements showing my payments including the dates. The dates of the alleged late payments are as follows XX/XX/XXXX and XX/XX/XXXX, XXXX through XXXX of XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX and XX/XX/XXXX. XXXX is reporting the following for the creditor Credit Acceptance : Date Opened XX/XX/XXXX, Monthly Payment {$0.00}, Responsibility Joint Account, Account Type Installment Account, Loan Type AUTOMOBILE, Balance {$0.00} Date Updated XX/XX/XXXX, Payment Received {$2500.00}, Last Payment Made XX/XX/XXXX, High Balance {$20000.00}, Pay Status Current Account, Terms {$0.00} per month, paid Monthly for 66 months, Date Closed XX/XX/XXXX, Remarks CLOSED. Please validate or remove from credit I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what Credit Acceptance the furnisher sent to the credit reporting agency XXXX as evidence or any physical documentation that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. You have 30 days to send me physical and verifiable documentation if not Please remove these accounts immediately from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Please take this off my credit. Not an accurate amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit report. The business is located at XXXX XXXX XXXX, XXXX, KY XXXX. At the time the report was pulled, I was working at XXXX and XXXX in XXXX XXXX Ohio. I haven't been to XXXX since XXXX. I called numerous times regarding this issue and they still haven't removed their inquiry. I explained to the company that I am on XXXX and haven't been outside of the State of Ohio since XX/XX/XXXX. It's been a couple of months since I last called the company and they still haven't removed their inquiry. I also received a hard inquiry from Credit Accept Corp/CAC on XX/XX/XXXX as a result of the XXXX XXXX credit pull. I asked XXXX XXXX about the pull and they told me that CAC is their financing department. I contacted CAC about the issue and explained that I haven't been to XXXX since XXXX and that I didn't give either company any permission to pull my credit. Like XXXX XXXX, they haven't done anything to remedy this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I traded in my XXXX XXXX XXXX I had financed through Credit Acceptance. The dealership I was working with handled the payoff of the car. I got notice on my credit reports on XX/XX/XXXX that the balance of the loan was reported as 98 % paid off and account still open when it should have been 100 % and account closed with a {$0.00} balance. Credit Acceptance left a balance of {$210.00} still reporting as open on my credit report. On XX/XX/XXXX I received the contract pay off letter from Credit acceptance that stated I made my final payment and my contract was PAID IN FULL and the lien was released. Today is XX/XX/XXXX and this account is still reporting as opened with a balance of {$210.00}. I have made 2 attempts to resolve this with Credit Acceptance but they were of no help they just told me to dispute it but did not inform me on how to do that. Another representative from Credit Acceptance told me that I need to wait until XXXX. ( Not sure why when the car was paid off in full XX/XX/XXXX ). This reporting incorrectly has negatively impacted my credit and has caused me to be denied financing on something else due to it appearing I have 2 auto loans open. I need this information removed and this reported correctly as soon as possible. I am in the process of trying to buy a home and this is really holding me back. I can not get Credit Acceptance to help me so I was forced to submit this complaint. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX CFO of Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX XXXX of XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX hall all conspire to infringe upon our unalienable rights and freedom of liberty 's. These individuals willingly and knowingly engage in criminal activity which has cause direct damage to all parties involved. These individuals took it upon themselves to violate state and federal laws which has cause extraordinary damages financial emotional and physical upon us. XX/XX/18 this fraudulent contract was created by XXXX. Credit was extended in a private agreement and XXXX choose to neglect title 15 section 1692 and made a private transaction into a public transaction which is unlawful. The attachment that will be attached in good faith is PRIMA FACIE EVIDENCE OF THIS ON GOING UNFAIR AND MISLEADING INFORMATION WHICH IS BEYOND REASONABLE DOUBT OF DECEPTIVE BUSINESS PRACTICES. AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Loan paid in time and in full. Payment has never been late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Car was totaled loss XXXX XXXX sent pay off to Credit Acceotance XXXX week of XXXX. Credit Acceptance didn't process until XX/XX/XXXX and closed account on XX/XX/XXXX marking on my credit report that I was 60 days late when I had never missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Theres some issue with this because the account is close and I dont know what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A