Vehicle loan or lease -- Incorrect information on your report -- Complaint #15924834
Complaint Overview
Complaint ID: 15924834
Company: Credit Acceptance Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New Jersey
ZIP Code: 07106
Date Received: 2025-09-13T12:00:00-05:00
Date Sent to Company: 2025-09-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Final Notice of Dispute Request for Proof of Ownership, Contract, and Full Accounting Re : Account # XXXX Dispute of Accuracy, Completeness, and Standing This is my final notice of dispute regarding the above-referenced account, submitted via the Consumer Financial Protection Bureau ( CFPB ). I dispute the accuracy and completeness of your reporting and demand that you cease all collection activity and stop reporting on my consumer report until you can provide authenticated proof of your standing and authority regarding this alleged debt. Specifically, I am requesting : Authenticated Original Contract with Wet Signature Provide the original signed agreement or other legally valid proof of indebtedness showing I am obligated to Credit Acceptance. Proof of Standing and Ownership under Contract Law and XXXX Article XXXX If this debt has been assigned, transferred, or securitized, provide documentation establishing your legal right to collect and enforce it. Full Accounting Provide a complete payment history and transaction ledger for the life of the account, including all credits, debits, fees, interest, and adjustments. Evidence of Securitization ( if applicable ) If this debt has been securitized or otherwise sold, provide all documentation showing the chain of title and ownership interests. Under 15 U.S.C. 1681s-2 and related provisions, you are required to investigate disputed information thoroughly. Until you provide the requested documents, you are not authorized to continue collection efforts or to furnish negative information to any consumer reporting agency. Furthermore, any failure to comply may compel me to seek injunctive relief and pursue all available remedies under federal and state law. Any future correspondence from me regarding this matter will be in the form of arbitration in accordance with the terms of your contract. Please treat this as a serious, good-faith dispute requiring immediate action and provide a full, verified response. I will also be forwarding to the Attorney General. Last 4 digits of social XXXX
Frequently Asked Questions
What is Complaint #15924834 about?
Complaint #15924834 was filed against Credit Acceptance Corporation regarding Vehicle loan or lease specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-13T12:00:00-05:00.
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 (Vehicle loan or lease) 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.