Credit bureau · complaint record
Credit Acceptance complaints
Filed under CREDIT ACCEPTANCE CORPORATION
Consumers have filed 14,933 complaints about Credit Acceptance since 2012, 3,335 of them in the last 12 months (-1% on the year before). It answered 99.8% on time and closed 2% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 14th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 14,933
- Last 12 months
- 3,335
- Answered on time
- 99.8%
- Closed with relief
- 2%
- Last 30 days
- 126
- Rank
- #14 of 566
Since April 2012
-1% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 13, 2026
Most complained-about credit bureaus & report companies
Credit Acceptance complaints by month
The busiest month was January 2025 (392 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Credit Acceptance answered last 12 months
- Closed with monetary relief571.7%
- Closed with non-monetary relief180.5%
- Closed with explanation3,25397.5%
- In progress70.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time44/4599.8% on time
- Relief for customers1/402.3% closed with relief
- Complaint trend10/15-1% vs last year
What Credit Acceptance complaints are about
Top Credit Acceptance problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 1,208
- Account information incorrect 1,199
- Information belongs to someone else 905
- Old information reappears or never goes away 161
- Information is missing that should be on the report 57
- Public record information inaccurate 48
Where Credit Acceptance complaints come from
Most complaints: Michigan (1,558), New York (1,040), Texas (966), Pennsylvania (825), Georgia (809).
Credit Acceptance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Self FinancialCredit reporting | 49 | 4,913 | D |
| 2 | OneMain FinancialCredit reporting | 57 | 3,861 | C |
| 3 | KikoffCredit reporting | 50 | 3,534 | C |
| 4 | Credit AcceptanceCredit reporting | 55 | 3,335 | C |
| 5 | Exeter FinanceCredit reporting | 53 | 2,894 | C |
| 6 | Toyota Financial ServicesCredit reporting | 54 | 2,301 | C |
| 7 | ID AnalyticsCredit reporting | 63 | 2,295 | C |
| 8 | CoreLogicCredit reporting | 56 | 2,267 | C |
Compare side by side: Credit Acceptance vs Self Financial · Credit Acceptance vs OneMain Financial · Credit Acceptance vs Kikoff · Credit Acceptance vs Exeter Finance
What people say about Credit Acceptance
All experiencesNo experiences with Credit Acceptance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Credit Acceptance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 6, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Nov 6, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Nov 5, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Nov 4, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 4, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Nov 3, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Nov 2, 2026 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 1, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Nov 1, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
Questions about Credit Acceptance
How many complaints does Credit Acceptance have?
Credit Acceptance has 14,933 complaints on record since April 2012, including 3,335 in the last 12 months and 126 in the last 30 days. That makes it number 52 of every company by complaints this year.
Does Credit Acceptance respond to complaints?
Yes. Credit Acceptance answered 99.8% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix; 1.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 55/100 (grade C).
What do people complain about most with Credit Acceptance?
The most common problems are incorrect information on your report (3,632), managing the loan or lease (1,824), repossession (1,173).
Is Credit Acceptance legit?
Credit Acceptance is a real company with a public complaint record: consumers have complained about it 14,933 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Credit Acceptance legit? for the signals, red flags and how to protect yourself.
Are complaints about Credit Acceptance going up or down?
Roughly level. There were 3,335 complaints in the last 12 months against 3,382 in the 12 before (-1%). See every month.
How do I file a complaint against Credit Acceptance?
Complain to Credit Acceptance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Credit Acceptance complaints come from?
Most come from Michigan (1,558), New York (1,040), Texas (966). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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