Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18090363
Complaint Overview
Complaint ID: 18090363
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: California
ZIP Code: 94015
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit Acceptance is reporting incorrect late payments on my auto loan despite the fact that I entered an official payment arrangement with them and have been making every payment on time according to that arrangement. On XX/XX/XXXX, I contacted Credit Acceptance and we agreed to a bi-weekly payment plan of {$550.00} to bring my account current. This agreement is documented inside the Credit Acceptance app and was confirmed verbally with their representatives. Even though I have complied with every scheduled bi-weekly payment, Credit Acceptance continues to report my account as XX/XX/XXXX days late as if I was not following the arrangement. Their representative admitted on a recorded call that they will keep reporting late payments until the past-due balance reaches zero, even if I am meeting every required payment under the arrangement. This is inaccurate and misleading credit reporting, because my current payment schedule was negotiated, approved, and formally accepted by Credit Acceptance. Reporting late payments during an active, compliant arrangement is unfair and does not reflect the true status of my account. I am requesting the CFPB to require Credit Acceptance to correct the inaccurate late payment reporting and update my credit file to reflect the payment arrangement and my on-time payments under that agreement.
Frequently Asked Questions
What is Complaint #18090363 about?
Complaint #18090363 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 2025-12-02T12:00:00-05:00.
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.