Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18116754
Complaint Overview
Complaint ID: 18116754
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: Maryland
ZIP Code: 21801
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am requesting clarification and correction on the CREDIT ACCEPTANCE CORPORATION account reporting under account number XXXX. My XXXX report shows a repossession for XX/XX/XXXX and several late-payment entries for late XXXX and early XXXX. This information is incorrect. The vehicle was fully paid off, the loan was closed, and I still own the car. There was never a repossession of this vehicle at any time, and there was never an involuntary surrender. Because the account is paid and closed and the vehicle is still in my possession, I am requesting verification of how the repossession code and late-payment history were determined. Please provide the date the vehicle was allegedly taken, any documentation supporting a repossession, and the records used to assign the 30-day and 60-day late marks. If the account can not be verified accurately, please update the reporting to reflect the correct paid-off status with no repossession.
Frequently Asked Questions
What is Complaint #18116754 about?
Complaint #18116754 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 2025-12-03T12:00:00-05:00.
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.