Debt collection -- False statements or representation -- Complaint #11107064
Complaint Overview
Complaint ID: 11107064
Company: Credit Acceptance Corporation
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Ohio
ZIP Code: 45240
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, OH, XXXX ] XX/XX/year> Credit Acceptance Corp XXXX XXXX XXXX XXXX, MI, XXXX Subject : Request for Verification and Issuance of IRS Form 1099-C Dear Credit Acceptance Corp , I am writing to dispute the reporting of a debt related to account number XXXX on my credit report. I am requesting that you verify the status of this debt and provide me with a copy of IRS Form XXXX if the debt has been canceled, forgiven, or XXXX. Under federal law, if a creditor has canceled or XXXX a debt of {$600.00} or more, they are required to issue a 1099-C form and report the forgiven amount to the IRS. If this debt has been canceled, please provide me with a copy of the 1099-C form as part of your verification process. If the debt has not been canceled, please provide : Documentation proving the validity of the debt, including original account details, statements, and payment history. Evidence that the debt has not been XXXX or forgiven. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which allow me to dispute the accuracy and completeness of information being reported about me. If you are unable to provide a valid 1099-C form or sufficient documentation verifying the debt, I request that you immediately update the status of the account on my credit report and notify any credit reporting agencies to delete this information. Please respond to this request in writing within 30 days, as required by law. Additionally, if you are reporting this debt inaccurately, I may consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. Thank you for your prompt attention to this matter. You may contact me directly at [ your phone number ] or [ your email address ] if additional information is needed to complete this request. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11107064 about?
Complaint #11107064 was filed against Credit Acceptance Corporation regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-12-10T12:00:00-05:00.
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 (Debt collection) 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.