Debt collection -- False statements or representation -- Complaint #17989781
Complaint Overview
Complaint ID: 17989781
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: District of Columbia
ZIP Code: 20017
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Re : Request for Validation of Repossession Account Account Number : XXXX To Whom It May Concern : I am writing to formally request complete validation of the repossession account that your company has reported to the credit bureaus. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ) to ensure that all information furnished to the credit bureaus is accurate, complete, and fully verifiable. Please provide the following documentation : A complete payment history from the origination of the loan through the date of repossession. A copy of the original signed contract and any amendments. Proof of the lawful repossession, including required notices sent before and after the repossession. Documentation of the sale, including the date, location, sale amount, and method of sale. Breakdown of any deficiency balance, fees, interest, and how these amounts were calculated. Proof that the account informationincluding my personal information and address historywas accurately reported to the credit bureaus. If you are unable to fully validate this account with the requested documentation, I request that you immediately update all credit bureaus to remove this account entirely in accordance with the FCRA. Please provide your validation within 30 days of receipt of this letter. All future correspondence should be sent in writing to the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #17989781 about?
Complaint #17989781 was filed against Credit Acceptance Corporation regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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.