Debt collection -- Attempts to collect debt not owed -- Complaint #4749903
Complaint Overview
Complaint ID: 4749903
Company: Credit Acceptance Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Louisiana
ZIP Code: 70122
Date Received: 2021-09-23T12:00:00-05:00
Date Sent to Company: 2021-09-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I file bankruptcy in XXXX # XXXX I had my bankruptcy dismissed. I disputed this bankruptcy with XXXX, XXXX, and XXXX XXXX XXXX. XXXX took it off my credit report by the XXXX of XXXX. I check my credit report again and it's back on my credit report by Credit Acceptance which I paid off through a collection Agency. I am trying to clean my credit to be able to someday purchase a new home or another car. Any assistance from the CFPB is appreciated.
Frequently Asked Questions
What is Complaint #4749903 about?
Complaint #4749903 was filed against Credit Acceptance Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-23T12:00:00-05:00.
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.