Vehicle loan or lease -- Improper use of your report -- Complaint #6783779
Complaint Overview
Complaint ID: 6783779
Company: Credit Acceptance Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Alabama
ZIP Code: 35405
Date Received: 2023-04-01T12:00:00-05:00
Date Sent to Company: 2023-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Frequently Asked Questions
What is Complaint #6783779 about?
Complaint #6783779 was filed against Credit Acceptance Corporation regarding Vehicle loan or lease specifically about Improper use of your report. It was received by the CFPB on 2023-04-01T12:00:00-05:00.
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.