Date Received: 2023-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Subject : Concerns Regarding Retail Installment Contract as a Negotiable Instrument Dear Credit Acceptance, I am writing to address several concerns related to my retail installment contract, which operates as a negotiable instrument under our agreement. A negotiable instrument is a document guaranteeing payment of a specific amount of money, either on demand or at a set time, and can be transferred from one party to another. When XXXX sold this contract to Credit Acceptance, the contract effectively transformed into a negotiable instrument. This process of 'negotiating ' the contract allowed Credit Acceptance to become the new holder of this instrument. However, I have several concerns about potential violations of the XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX ) in the processes and agreements related to this contract. Firstly, I believe there may have been a violation of UCC 1-201 ( 20 ), which requires full and accurate disclosure of contract terms. XXXX, as the original seller, did not provide complete and truthful disclosure of the contract and financial agreement terms. Furthermore, I was unduly coerced into paying a down payment under conditions not uniformly applied to other customers, potentially contravening XXXX XXXX that deals with unconscionable contracts. In regards to XXXX, its key purpose is to ensure the informed use of consumer credit by requiring disclosures about its terms and cost. If full disclosure was not provided, as appears to be the case, this could constitute a breach of XXXX. Moreover, I have experienced issues with Credit Acceptance, including coercive practices related to recurring payments and issues with the enforcement of the arbitration clause. My vehicle was repossessed from my private property without peaceable means, potentially breaching XXXX XXXX which outlines the secured party 's right to take possession after default. Concerningly, if Credit Acceptance is not licensed or registered in any U.S. state, it could potentially be in violation of state-specific financial regulations and licensing requirements, which vary from state to state. Considering these potential breaches and their impact on me, both financially and emotionally, I believe I am entitled to remediation under XXXX and XXXX regulations. I request a thorough investigation into these matters and expect appropriate remedies to be provided. I retain all rights under state and federal law to pursue this matter further if satisfactory resolution is not reached. Best Regards, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This is an old account. Over XXXX XXXX XXXX. This should not still show no my credit report.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: The vehicle broke 2hrs after signing for the loan. I was outed the down payment as well as insurance fees. I was financed a warranty I was told came with the car. I was not asked if I wanted the warranty. Car was bought at XXXX XXXX miles warranty only covered expenses under XXXX miles. The loan company promised a working vehicle. Credit acceptance and XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX Me ( XXXX XXXX XXXX on my daughter XXXX XXXX proceeded to trade in her car from XXXX XXXX auto sales and services located XXXX XXXX XXXX, XXXX Delaware XXXX. XXXX # XXXX. The salesman name was XXXX. Was supposed to give her a credit of {$2000.00} for the down payment for a XXXX XXXX XXXX that he said was worth {$7300.00}. The total balance {$6100.00}. After he had add all of the dealer fees. We financed the rest of the balance with Credit Acceptance which supposed to be the {$6100.00}. The amount of the car ended up being {$12000.00}. Credit Acceptance added another {$6000.00} to car. The dealership and Credit Acceptance has made me and my daughter life a nightmare. My car payments are on time to this date. The balance of the car is still reporting negatively on me and my daughters credit report. The XXXX XXXX XXXX is not evening running right now as of XX/XX/XXXX. I'm still making payments on the vehicle. I would like my contract with this company null and void.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: The company didn't honor the warranty the was agreed in the contract. CREDIT ACCEPTANCE 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: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: CREDIT ACCEPTANCE knew that I wouldn't be able to make the payments for the car loan. The loan wasn't explained to me. I feel like this company validated my consumer rights. The car broke down within the first month. I reached out to the car lot for assistance and I was turned away. Overview You have 100 % left to pay on this loan. Balance {$23000.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX XXXX XXXX ( 6 yrs, 8 mos ) Term 60 months CREDIT ACCEPTANCE CO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Got the car In XXXX got repossessed in XXXX of XXXX I got sick with XXXX couldnt go back to work. I had XXXX to pay off now its XXXX CREDIT ACCEPTANCE CORPORATION is the company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am with Credit Acceptance they take XXXX every XXXX weeks which is XXXX monthly. I have started this loan on XX/XX/22. They dont offer refinancing and I do believe that I was tricked into it by the dealership and I am looking for a lawyer
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: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A