• Report: #167015

Complaint Review: Credit Acceptance, LaShambre Singleton, Tom, Marissa

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Tue, December 06, 2005
  • Updated: Thu, December 08, 2005

  • Reported By:Portage Michigan
Credit Acceptance, LaShambre Singleton, Tom, Marissa
25505 W. 12 Miles Rd Suite 3000 Southfield, Michigan U.S.A.
  • Phone: 800-634-1506
  • Web:
  • Category: Banks

Credit Acceptance Corp. LaShambre Singleton, Tom, Marissa ripoff, Trying to collect after BK, reporting falsly to the credit reporting agencies. FRAUD Southfield Michigan

*Author of original report: Umm YOUR REALLY LYING NOW

*UPDATE Employee: Clarification... I am Not the Owner of the Company...

*UPDATE Employee: Clarification... I am Not the Owner of the Company...

*UPDATE Employee: Clarification... I am Not the Owner of the Company...

*REBUTTAL Owner of company: In Reference to "Fraudulent" Claim

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

I bought a car in December of 1998 and financed it through Credit Acceptance. In June of 1999 I fell behind due to a job loss, and the car was repossesed, they failed to follow the Michigan Consumer Protection act when they repossesed the vehicle.

In March of 2000 I had a Bankruptcy 7 discharged on 3/29/2000 however this did not stop CAC from trying to collect they have tried to collect on two seperate occasion since this was discahrged in 2000. And to top it off not only have they tried to collect, they also have been reporting it inaccuratly to the 3 credit reporting agencies.

They have been reporting it as 120 days past due, collection as of June 2000, July 2001, September 2005. 90 days past due july 2005. So far they have violated the FCRA 13 times on all with all three credit reporting agencies. Being as they said this was still in a charge off status, I was denied financing by a local bank. When I called CAC after I sent them a complaint I was going to file in Federal Court, the lady said dispute it and we will delete it. WRONG it came back as updated 120 days past due, I was on the phone today for over a half hour getting routed all around. I tolf TOM who I talked to they had until 3:00pm EST before I went to file, the FCRA allows for $1,000.00 per violation so far they have 13 violations X's three credit reporting agencies that is $39,000.00 in FCRA violations alone, not including how the bankruptcy court would feel for them trying to collect on a discharged debt.

SOme of you would say, why would I not sure since I have all my credit reports showing such violations. The reason is I don't really care about the money, by the time we go to court, and go through discovery {which I would ask for alot of info in this} and then through all the motions and a pre-trial conference I would probably win, but I just want the trade line deleted from all three of my credit reports.

I am going to report them to the Michigan Attorney General as well as the FTC and the SEC. I have sent a letter to my Bankruptcy trustee allong with copies of their collection notices they have sent. However I wont wait any longer, I decided I am going to file if they do not call me back by 3:00pm EST, BEWARE they prey on people and break the laws all the time.

Jason
Near CAC
U.S.A.

This report was posted on Ripoff Report on 12/06/2005 09:56 AM and is a permanent record located here: http://www.ripoffreport.com/r/Credit-Acceptance-LaShambre-Singleton-Tom-Marissa/Southfield-Michigan-48034/Credit-Acceptance-Corp-LaShambre-Singleton-Tom-Marissa-ripoff-Trying-to-collect-after-167015. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Credit Acceptance, LaShambre Singleton, Tom, Marissa

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 4Consumer 1Employee/Owner
Updates & Rebuttals

#1 Author of original report

Umm YOUR REALLY LYING NOW

AUTHOR: Jason - (U.S.A.)

LaShambre let me tell you I DID NOT REPORT ID THEFT!!! AT ANY POINT I NEVER REPORTED ID THEFT SO YOUR LIES WILL JUST GO TO BETTER USE WHEN I SEE YOU AND THE LEGAL DEPARTMENT IN COURT!!!!.

Your company clearly tried collecting on this debt twice after it was included in bankruptcy THAT IS AGAINST THE LAW!!!

You company also has failed over and over and over again TO CORRECT THE INFORMATION ON MY CREDIT REPORTS TO REPORT ACCURATLY!!! How can I be 120 days past due?? Or 90 days past due?? Or a collection account in July 2000 or July 2001?? YOU ARE FOS a lyer and have broken the law your response proves it right here.

I told your moronic company to fix this but no I got transferred to the legal dept, then to the bankruptcy dept, then to customer service then back to legal, and no one wanted to take care of it. Well to late now we are going to Federal Court, I am sick of your games and BS in regards to my credit reports, I have three statements notorized from different companies in regards to getting declined for a vehicle because your trade line was reporting as 120 days past due collection account...

THE FCRA allows for punitive damages as well as regular damages and statutory damages. I will be filing in my local Michigan court to for the illegal repossession your company did which is against the Michigan Consumer Protection Act and the Michigan Occupation Code.

Your company can hammer it out now with counsel, but I will make sure that he includes you as a defendant now that you have so blatently lied for so many to view. LET ME TELL YOU ONE ORE TIME I NEVER CLAIMED ID THEFT. I HAVE A COPY OF EVERY LETTER I SENT YOUR COMPANY AND EVERY LETTER I SENT THE MI AG, THE BBB, THE FTC, and the SEC, and the bankruptcy trustee.

I am also the original poster of this thread not an employee
Respond to this report!
What's this?

#2 UPDATE Employee

Clarification... I am Not the Owner of the Company...

AUTHOR: La Shumbra - (U.S.A.)

My Responsibility is to ensure that all of customers are being reported accurately and correctly.
Respond to this report!
What's this?

#3 UPDATE Employee

Clarification... I am Not the Owner of the Company...

AUTHOR: La Shumbra - (U.S.A.)

My Responsibility is to ensure that all of customers are being reported accurately and correctly.
Respond to this report!
What's this?

#4 UPDATE Employee

Clarification... I am Not the Owner of the Company...

AUTHOR: La Shumbra - (U.S.A.)

My Responsibility is to ensure that all of customers are being reported accurately and correctly.
Respond to this report!
What's this?

#5 REBUTTAL Owner of company

In Reference to "Fraudulent" Claim

AUTHOR: La Shumbra - (U.S.A.)

Credit Acceptance's key focus is assuring that our customers have a chance at better financial opportunities through improving their credit and "Changing Their Lives" by financing a vehicle with our Dealer-Partners. With this being said, we continously strive to assist and support our customers needs and to allow them the guidance and support that they need for improving their credit and purchasing power.

In the case of the consumer responsible for creating this report, the Corporate Legal and Compliance, CRD Team is responsible for retrieving, investigating and responding to customer credit reporting disputes. This department has followed company and government compliance guidelines with regards to the above mentioned account.

This individual claimed Identity Theft through the reporting agencies and as with all account fraud claims, we thoroughly researched the account and determined the ownership of the account as belonging to the consumer.

This consumer has not been reported inaccurately by Credit Acceptance since its discharge and closed due to Bankruptcy. According to all applicable sources, Credit Acceptance has accurately provided account information on this consumers file. Once an account has been closed due to Bankruptcy it will remain on the consumers file for up to ten years. This information will not delete due to discharge of the debt. (Please see the Discharge guidelines for a better understanding of Bankruptcy rules.)

What the consumer must due to ensure the accuracy of his credit file, is to properly dispute his account with all major credit reporting agencies. Selecting the "Identity" option will not provide him with the results that he requires. He must dispute all applicable account dates through the agency that provided him with his intitial credit file.

Credit Acceptance has a process that will assist consumers with properly initiating a credit reporting dispute once it has been determined that we have accurately provided credit information on a consumers account.

The person originating this report has failed on several occasions to follow through with the our company's assistance protocal provided to him.

We are willing to assist the consumer, but it must begin with his full knowledge of his credit file and understanding that Credit Acceptance is not responsible for this error; but we can assist him in being proactive about resolving this issue accurately.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory