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 I had a Bankruptcy 7 discharged on 3/29 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 July September.90 days past due july. 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.
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