Date Received: 2023-12-16
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: I couldnt afford the vehicle anymore in XX/XX/XXXX so I volunteered to let them repossess the car. They picked up the car about 2 weeks later and I didnt hear back from the company until XXXX when they said they never got the vehicle. They have been reporting the vehicle late on my credit report late for the past year. The company name is Credit acceptance and to my knowledge they received the car 5 years ago. If I actually had the car they should have repossessed it or taken me to court or filed charges and I could prove I submitted the car. I told all credit bureaus about how it was a repossession and they still report the vehicle as a late payment. Also the amount they say I owed is not correct. I only owed XXXX at the time of repossession. They are claiming XXXX.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit Acceptance has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information. 15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf. 15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character. CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I believe this company is reporting incorrect and incomplete information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: This company has been on my credit for 8 years it was a repo. This vehicle was sold and changed the balance to XXXX it remains at XXXX it hurts my credit score to the point I cant get jobs I cant purchase another vehicle to make it to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 2 auto loan accounts reporting that do not belong to me. I never opened either of these accounts. I have an idea who opened the account ( maybe some relatives that used my information ). I do a lot of traveling with my job and I am never home that much so I am guessing that someone that was living with me opened these accounts. I guarantee that these finance company do not have my actual signature on file because I never open these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have requested that the debt be validated and investigated with Credit Acceptance Corporation. Which was never done. I am trying to by a house and they are reporting a debt that does not belong to me. Its saying that the debt was charged off but i never recieved a 1099-C Cancelation of debt because its not mine. I demand under FCRA : Section 604 : Permissible Purpose My written authorization ( i would like it mailed to me please ) Proof that I personally initiated this inquiry to acquire such card show me last purchases Either provide me strict proof or DELETE the item immediately. If you do not delete the charge off in 15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the charge off or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Your cooperation in advance is appreciated. This is my last letter then I will promptly seek litigation. My attorneys are pending your reasonable response Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The lender must provide me written notice of my right to redemption and ( or ) right if reinstatement .The lender must provide a notice to the consumer that confirms the sale price of the repossessed vehicle from auction I have not received any notice in writing before or after repossession i have been a victim of a illegal auto repossession I would like my repossession investigated with proof from the lender were properly and timely given, and all of the allowable redemption and cure time limits were adhered to Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided with receipt of the notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX at XXXX I requested a copy of the original sale agreement and was sent the retail installment contract. I then reached back out to the company at XXXX notifying the company once again that I am requesting a copy of my original sales agreement and not the retail installment agreement and I was sent a blank email with nothing attached. This is now my 3rd attempt to get a copy of my original sales agreement. This information was first requested via phone and I was then sent an email with this information that I did not request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got a car loan with credit acceptance almost five years ago car. Car got totaled due to an accident they have been reporting that the account is closed since XX/XX/XXXX of XXXX. Also it says the account is closed and open
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I have a company by the name of Credit Accepteince reporting on my credit report. They calls my phone before XXXX which is affecting my life. I have disputed the account multiple times and also pointed out multiple violations on my credit report from this company and every time I dispute the account it will come back as verified which is odd because the company keeps changing the amount owed, on one of my reports they posted the alleged last payment was XX/XX/XXXXXXXX then on another one they posted last payments was in XXXX and one payment in XX/XX/XXXXXXXX which is impossible because it wasn't me because that was the month I was disputing the account and have a paper trail to prove it. I reached out to the company trying to see what the charges was and told them I don't owe them money then they say XXXX. They said it's for a car that they had but did not want the car because it was not of value to them so they are reporting the account as an open account on my credit reports for a car I dont have. They also were reporting that I allegedly owed XXXX then keep changing the amount every month they changed the amount all the way up to XXXX in XX/XX/XXXXXXXX then the next month in XX/XX/XXXXXXXX it went down to XXXX without any payment, now how is that possible that someone owe close to XXXX then the next month it go down with out a payment. And why are they not reporting the same information on all my reports if it was a real legal account I feel highly threatened by this company and is now working with a lawyer to go forward because the XXXX, XXXX and XXXX is not helping even after I pointed out the violations I have no knowledge of these charges on my report and dont like the harrasment.. I have screen shoots and copies of all communication and copies of all my credit reports that shows proof of each violation. I just found out this company has been sued in California and New york and I believe I'm apart of that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A