Understanding your rights regarding personal information is crucial in today’s digital age. Credit Acceptance provides various services related to auto financing, and it’s important to know how they handle your data. This article outlines the ways you can manage your personal information with Credit Acceptance’s customer service.
Accessing, Correcting, and Deleting Your Information
California residents have specific rights under the California Consumer Privacy Act (CCPA) concerning their personal information. Credit Acceptance allows you to exercise these rights, including:
- Requesting a list of collected information: You can request a detailed list of the categories and specific pieces of personal information Credit Acceptance has collected about you.
- Requesting deletion: You can request the deletion of your personal information, although certain exceptions may apply due to legal obligations or ongoing service needs.
- Correcting inaccuracies: If you find any inaccuracies in your personal information held by Credit Acceptance, you have the right to request corrections. Supporting documentation might be required to substantiate your claim.
- Non-discrimination: Credit Acceptance will not discriminate against you for exercising your rights under the CCPA.
Submitting Requests to Credit Acceptance
To submit a request to know, delete, or correct your personal information, you can utilize the following methods:
- Online Form: You can complete a web form available on the Credit Acceptance website. Although a direct link is not available here, searching “Credit Acceptance CCPA request form” should yield results.
- Phone: Contact Credit Acceptance directly at 866.760.3840.
To facilitate the processing of your request, you’ll need to provide the following information for verification:
- Full Name
- Address
- Phone Number
- Account Number (if applicable)
- Your relationship with Credit Acceptance (e.g., customer, applicant, employee of a partner business)
- For correction requests, a description of the inaccurate information, the correct information, and supporting documentation
- Preferred method of response (mail or email) along with the corresponding address
Alternatively, you can mail or email a completed request form to:
Credit Acceptance Corporation
25300 Telegraph Road
Southfield, MI 48033
Attention: Operations Support
OR
Operationssupport@creditacceptance.com
Authorizing Requests for Others
If you need to make a request on behalf of someone else, you must submit a request to the provided mailing or email address and include either:
- Written Authorization: A signed document from the individual granting you the authority to make the request.
- Power of Attorney: A valid power of attorney document under California law, specifically granting you the necessary authority to access and manage their personal information.
Incomplete requests made on behalf of others will be denied. Ensuring you have the proper documentation is crucial for a successful request.
Understanding CCPA Exemptions and GLBA
The CCPA does not apply to all personal information. Data collected under the Gramm-Leach-Bliley Act (GLBA), which governs financial institutions, is exempt. Information collected for originating or servicing a financial product or service, like a car loan, falls under GLBA.
While Credit Acceptance has processes for handling requests related to GLBA-covered information, the CCPA exemption means they may respond by stating the information is not subject to deletion or disclosure under the CCPA.
Credit Acceptance’s Data Collection and Sharing Practices
Credit Acceptance collects various categories of information, including identifiers, protected classifications, commercial information, internet activity, geolocation data, audio/visual information, professional/employment details, education information, and sensitive personal information. They may use this data for business purposes such as identity verification, credit approval, account servicing, and communication.
This information may be shared with entities like auto dealers, credit reporting agencies, service providers, and government agencies, as necessary for business operations and legal compliance. A more detailed breakdown of Credit Acceptance’s data collection and sharing practices can be found in their full privacy policy, referenced below.
Conclusion
Managing your personal information is essential, and Credit Acceptance offers resources and procedures to help you do so. Understanding your rights under the CCPA and how Credit Acceptance handles your data empowers you to make informed decisions. For further details, refer to Credit Acceptance’s Website User Agreement, Privacy Statement, and Privacy Notice found on their website.
