My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then. 
