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Credit Acceptance Corporation


25505 W 12 Mile Rd
Southfield, MI 48034-1846

Contact Them:

(248) 353-2700

You should dispute any debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If a past due Credit Acceptance Corporation account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. tracie on May 17, 2016 at 2:03 pm

      not happy

    2. Latisha on March 20, 2017 at 12:16 pm

      This Company has stolen and disrupted my life in the worse way. They accepted contracts signed by the dealership one month after the purchase of the vehicle. I sign and made the purchase from the dealer not credit Acceptance. They accepted documents that were signed by someone at the dealership signing my name. then did not believe me when I informed them. They took the car from my home and are stating this is a legal matter . I since then have taken the dealership to court and sued for the down payment and fraud that had taken place. I’m currently trying to sue Credit Acceptance for accepting the fraud documents, not listening to me when I informed them and I would like only the money I paid to them they still have me as owing a balance on a account built under fraud, signing my signature one month after I make a purchase through the dealer does not make it ok to take money out my account and at times they were taking payments twice a month . I have Multiple Sclerosis and Have been displaced lost my car home and currently I’m paying a large amount of money at the current moment for a car so I’m able to get to and from my doctor and any additional testing required for my condition. In addition to the high interest rates and all the money lost . I’m not the type of person that is looking to get rich from this I just want what was taken from me and what caused my family and I to become displaced. Ive been able to get the dealer to apologize and through the courts admit to the fraud finally returning the down payment that was given to establish the purchase. Credit acceptance refuses to return any and or all money paid to them in addition to what my uncle paid when they stated we would get the car back if we paid a 900 $ fee. after paying they claimed it was sent to there legal department and we lost the 900$ paid to them in addition to that payment they had access to my account and continued to take payments for the following three months. when I had no vehicle and they were wrong for accepting documents signed and submitted by someone other then myself refinancing the car a month later without my consent.

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