Debt collection -- Took or threatened to take negative or legal action -- Complaint #5266438
Complaint Overview
Complaint ID: 5266438
Company: Credit Acceptance Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Virginia
ZIP Code: 23703
Date Received: 2022-02-27T12:00:00-05:00
Date Sent to Company: 2022-02-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. Credit Acceptance Incorporation committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand Credit Acceptance Incorporation to remove immediately. FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
Frequently Asked Questions
What is Complaint #5266438 about?
Complaint #5266438 was filed against Credit Acceptance Corporation regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-02-27T12:00:00-05:00.
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.