Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12341697
Complaint Overview
Complaint ID: 12341697
Company: Credit Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Missouri
ZIP Code: 63121
Date Received: 2025-03-05T12:00:00-05:00
Date Sent to Company: 2025-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint has been filed with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, XXXX and XXXX the credit reporting agency, block fraudulent information from my credit report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. The fraudulent items in question include a personal credit card account opened with XXXX XXXX opened XX/XX/XXXX, an auto loan account opened with Credit Acceptance on XXXX XX/XX/XXXX, An Auto loan account opened with XXXX XXXX XX/XX/XXXX, and a Credit card account with self-opened XX/XX/XXXX, related to the aforementioned loan. These fraudulent accounts have caused multiple hard inquiries and collections to appear on my credit report. I do not recognize any of these accounts, collections, or inquiries, as they were not opened or authorized by me. All of these entries are the result of identity theft and fraud. Attached are copies of the hard inquiries, my XXXX credit report showing the fraudulent items, and the FTC Identity Theft Criminal Complaint, which verifies that these actions are a result of identity theft and fraud.
Frequently Asked Questions
What is Complaint #12341697 about?
Complaint #12341697 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 2025-03-05T12:00:00-05:00.
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.