Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8319591
Complaint Overview
Complaint ID: 8319591
Company: Credit Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 32909
Date Received: 2024-02-09T12:00:00-05:00
Date Sent to Company: 2024-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Frequently Asked Questions
What is Complaint #8319591 about?
Complaint #8319591 was filed against Credit Acceptance Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-09T12:00:00-05:00.
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 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.