Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17923845
Complaint Overview
Complaint ID: 17923845
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: Texas
ZIP Code: 79705
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Summary of Issue : Credit Acceptance has failed to accurately report my auto loan payments and balance since XX/XX/2025, despite my continued payments and bringing the account current. This error caused a XXXX drop in my XXXX XXXX, resulting in financial harm. The account in question is : Creditor : Credit Acceptance Loan Amount : {$12000.00} Reported Balance ( per XXXX ) : {$10000.00} ( last updated XXXX days ago ) Current Balance ( per lender portal ) : {$10000.00} Reported Status : Missed payment and XXXX days late since XX/XX/2025 Payments Made : Multiple payments since XX/XX/2025 ( proof attached ). Credit Bureau Status : Missed payment reported ; payment history shows XXXX days late despite account being current. This information is inaccurate and incomplete because : I have made multiple payments since XX/XX/2025 and brought the account current. The lenders own portal shows a lower balance and confirms payments. The credit report incorrectly reflects missed payments and outdated balance. Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 15 U.S.C. 1681s-2 ( a ) Furnishers ( like Credit Acceptance ) must provide accurate information and correct errors promptly. 15 U.S.C. 1681i ( a ) When a consumer disputes accuracy, the credit bureau must reinvestigate within XXXX days and delete unverifiable or inaccurate items. 12 CFR 1022.43 Furnishers must conduct a reasonable investigation of disputes regarding payment status, balance, and account terms. 15 U.S.C. 1681e ( b ) Consumer reporting agencies must ensure maximum possible accuracy. 15 U.S.C. 1681s-2 ( a ) Furnishers must provide accurate information and correct errors promptly. 15 U.S.C. 1681i ( a ) Upon dispute, the bureau must reinvestigate within XXXX days and delete unverifiable or inaccurate items. Requested Action : Correct the payment history and balance to reflect accurate, up-to-date information. Remove any late payment notations since XX/XX/2025. If the furnisher can not verify accuracy within the required timeframe, delete this tradeline entirely under FCRA 1681i ( a ) ( 5 ). Evidence Attached : Screenshot showing outdated balance and missed payment alert ( XXXX ). Screenshot of payment history showing incorrect late status. Screenshot from Credit Acceptance portal showing correct current balance. Bank statements confirming payments since XX/XX/2025. Please provide written confirmation of the results of your reinvestigation. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #17923845 about?
Complaint #17923845 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 2025-11-25T12:00:00-05:00.
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.