Vehicle loan or lease -- Managing the loan or lease -- Complaint #18147180
Complaint Overview
Complaint ID: 18147180
Company: Credit Acceptance Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Problem with additional products or services purchased with the loan
State: Louisiana
ZIP Code: 70737
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit Acceptance Corporation False Reporting, Duplicate Reporting, PostRepossession Late Payments, and FCRA Violations This complaint is being filed against Credit Acceptance Corporation for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Reporting late payments AFTER the vehicle was voluntarily surrendered. Reporting incorrect Open/Closed statuses on the account. Reporting XXXX separate Credit Acceptance auto loan accounts with contradictory information. Reporting inaccurate Date of First Delinquency ( DOFD ). Reporting contradicting balances and payment histories. Failure to provide validation or contracts upon request. Duplicate reporting designed to damage creditworthiness. Continuing to report derogatory information without proper investigation. These violations fall under FCRA : 602 Reasonable Procedures for Fairness and Accuracy 607 ( b ) Maximum Possible Accuracy 609 ( a ) ( 1 ) ( A ) Right to Documentation 609 ( b ) Validation Requirements 611 Duty to Investigate
Frequently Asked Questions
What is Complaint #18147180 about?
Complaint #18147180 was filed against Credit Acceptance Corporation regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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 (Vehicle loan or lease) 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.