Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18005999
Complaint Overview
Complaint ID: 18005999
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 status incorrect
State: Nevada
ZIP Code: 890XX
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I surrendered my vehicle to an auto shop in XX/XX/XXXX after mechanical failure. I notified the lender ( XXXX XXXX ) of the surrender and the vehicles exact location. The auto shop confirms the vehicle was left there and that XXXX XXXX never picked it up. Even though I no longer had the vehicle after XX/XX/XXXX, XXXX XXXX continued to report the account as XXXX days late every month through XXXX, XXXX, XXXX, XXXX, and into XXXX. This is inaccurate rolling delinquency reporting under the Fair Credit Reporting Act ( FCRA ), because no payments were missed after the vehicle was surrendered. The Date of First Delinquency shown on my XXXX report is XX/XX/XXXX, meaning the derogatory event is more than XXXX XXXX XXXX. However, XXXX XXXX refuses to acknowledge the surrender date or provide the correct final status date, charge-off date, or inactive date, all of which are required for XXXX mortgage XXXX. When I contacted XXXX XXXX, they stated they had no record of the vehicle being picked up and would only provide payment history, not the information XXXX needs. They also reported the account as if it remained delinquent for years after surrender, which is not accurate. I am requesting that XXXX XXXX provide the correct final account status date, reflect the XX/XX/XXXX surrender, and correct the inaccurate rolling late reporting.
Frequently Asked Questions
What is Complaint #18005999 about?
Complaint #18005999 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 2025-11-29T12:00:00-05:00.
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.