Debt collection -- Attempts to collect debt not owed -- Complaint #5668915
Complaint Overview
Complaint ID: 5668915
Company: Credit Acceptance Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 086XX
Date Received: 2022-06-14T12:00:00-05:00
Date Sent to Company: 2022-06-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit acceptance reported to the credit bureau that a debt of {$21000.00} is owed. The debt is not owed by me. First the credit reported it closed, then open. The creditor failed to contact me prior to reporting such derogatory information to the credit bureaus. As such, it failed to follow the Fair Credit Reporting Act. Please delete the item from the credit report.
Frequently Asked Questions
What is Complaint #5668915 about?
Complaint #5668915 was filed against Credit Acceptance Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-06-14T12:00:00-05:00.
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.