Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10595553
Complaint Overview
Complaint ID: 10595553
Company: Credit Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30135
Date Received: 2024-10-27T12:00:00-05:00
Date Sent to Company: 2024-10-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX Subject : Notice of Dispute and Intent to Pursue Civil Liability under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681 Dear XXXX, XXXX, XXXX I am writing to formally dispute certain information in my credit report under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. and notify you of potential civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). I found inaccuracies that I believe are in violation of the FCRA. The items in question are as follows : 1. The last activity reported is not consistent throughout the credit bureaus. 2. Vehicle was sold, no updated balance, is not consistent throughout the credit bureaus. 3. Times late not consistent throughout the credit bureaus. Under the FCRA, This is grounds for removal. I am entitled to an accurate and complete credit report. Your failure to address and rectify these inaccuracies may constitute willful noncompliance, exposing you to civil liability as outlined in the Act. I request that you conduct a thorough investigation into this matter and provide me with the results of your investigation within 30 days, as required by law. If you determine that the disputed information is inaccurate, please ensure that it is corrected or removed from my credit report. Please confirm receipt of this letter, and I look forward to your prompt response to resolve this matter amicably. Thank you for your attention to this urgent issue. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10595553 about?
Complaint #10595553 was filed against Credit Acceptance Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-27T12:00:00-05:00.
How did Credit Acceptance Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Credit Acceptance Corporation?
Yes, visit the Credit Acceptance Corporation company profile at readthecomplaint.com/company/credit-acceptance-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.