Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5342576
Complaint Overview
Complaint ID: 5342576
Company: Credit Acceptance Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Maryland
ZIP Code: 20876
Date Received: 2022-03-19T12:00:00-05:00
Date Sent to Company: 2022-03-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Over the past 2 years I have submitted disputes to the organization and the credit bureau for reporting inaccurate information. Credit Acceptance continued to report inaccurate information to all 3 the credit buraus. After each dispute Credit Acceptance would come back and say the information they are reporting was accurate. In XXXX, XXXX deleted the account after a dispute due to the continuous inaccurate reporting from Credit Acceptance. I grew so tired of the back and forth between Credit Acceptance, and the credit bureaus I paid the car off early in XX/XX/XXXX and the account was closed. Today XX/XX/XXXX. I get a letter from XXXX indicating that Credit Acceptance requested to have the account reinserted into my credit XX/XX/XXXX. The account was reinserted as an open account with a {$5900.00} balance. My XXXX credit score took a hit for the reinsertion of an account with debt I don't actually owe.
Frequently Asked Questions
What is Complaint #5342576 about?
Complaint #5342576 was filed against Credit Acceptance Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-03-19T12:00:00-05:00.
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, credit repair services, 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.