Consumer complaint received 2023-01-12
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to fie a complaint against XXXX and a account Acima that I had tried getting fixed by sending XXXX  notice of errors. I have also tried sending Acima a direct dispute at the address XXXX specifies for me to contact them at, and to my surprise the letter was returned to sender because the address was not deliverable. 

XX/XX/XXXX I sent XXXX a dispute with a copy of my consumer report dated XX/XX/XXXX report number XXXX in regards to the On Record Until XX/XX/XXXX was Inaccurate because this account wasnt opened until XX/XX/XXXX so the date of commencement can not be 2 months prior of the open date in XX/XX/XXXX and the payment history reports the date of commencement that led to the delinquency to be XX/XX/XXXX. 1681c ( c ) clearly specifies how to determine the federal 7 year running of reporting period. The same month this account went into delinquency that led to the charge off status is the same month the account will be federally removed with respect to the additional 7 year running of reporting period. 

I have also made it clear that I have sent Acima a direct dispute under XXXX on XX/XX/XXXX tracking XXXX at the address in which is reporting on my consumer file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting specific information so I can assure XXXX is reporting to the maximum possible accuracy 1681e ( b ). 

XX/XX/XXXX is the day that the letter I sent to Acima was a return to sender and my letter was sent back to me. If the address that is specified on my consumer file as a form of contact to reach out to this creditor is inaccurate then this error is just another reason for dispute.i have done some research and looked up Acimas website https : //www.acima.com/XXXX and the address that Acima suggest to reach out to is different then the contact address listed on my report. Acima specifies to reach out to Acima DigitaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also made it very clear that I chose to opt out of having my private nonpublic information being shared with a nonaffiliated third party XXXX XXXX XXXX. Acima only has 3 affiliates ( Acima XXXX XXXX, XXXX and XXXX XXXX ) they share information to that I can not control and the consumer reporting agencies are NOT affiliated with Acima. Therefore me choosing to opt out is a option I chose to exercise XXXX ( b ) XX/XX/XXXX XXXX has generated me with results report number XXXX and the outcome was this account was Verified as Accurate and Updated. My results dont include my name in which whom this report was prepared for. XXXX specifies for me to review my updated report but there was no updated credit report included for me to review. Such updated report was not included with my results. XXXX usually includes a form of contact whether its a address or phone number to reach out to the creditor in regards to my dispute but XXXX did not include a form of contact with my results. 

XX/XX/XXXX I got a new report, report number XXXX and the following errors and incomplete information are as follows after XXXX verified this account as accurate only a day prior. 

-the on record until XX/XX/XXXX was NOT fixed. This date still reports inaccurately after my previous notice to them. 
-balance, balance updated, recent payment are all incomplete. 
-the payment history reports XX/XX/XXXX as a CO ( charge off ) which is Inaccurate. XX/XX/XXXX Acima sent me correspondence saying the account has been settled and closed on XX/XX/XXXX therefore the discrepancy of a charge off on XX/XX/XXXX is Inaccurate. This account was closed on XX/XX/XXXX NOT charged off. 
XXXX XXXX XXXX reports XX/XX/XXXX was the date of commencement that led to the charge off status therefore the on record until should match the same month as described in 1681c ( c ). 
-the contact address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is INACCURATE because I have proof of return to sender when I tried sending them a direct dispute to this same address. 
-XXXX XXXX account paid in full for less than the full balance is Inaccurate and the Notice of this account was disputed by the consumer is MISSING when the notice should be included to support XXXX verified as accurate results 1681s-2 ( a ) ( 3 ). How else can XXXX  verify this account as accurate other than contacting the creditor and recieving the creditors verification and modifications in order to update this account according to 1681i ( a ) ( 2 ), 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( 1 ) and all its subsections. 
XXXX XXXX this item was updated from the processing of your dispute XX/XX/XXXX its impossible proper procedures were conducted in a investigation when there has not been any confirmation from the creditor that this account was disputed by the consumer. 

The only update XXXX did was update the Payment History to XX/XX/XXXX from CLOSED to now Charged Off ( which was a inaccurate modification ) because XX/XX/XXXX Acima verified when exactly the closed date occurred which was on XX/XX/XXXX. So how is it that XXXX can verify as accurate this account with the creditor but the information the creditor verified with me is different? 

In conclusion, I do not believe XXXX is following federal regulations and instead they ignore my dispute and update something else. The FCRA clearly states the consumer reporting agencies have 2 options as treatment when it comes to a reinvestigation 1681i ( a ) ( 5 ) ( A ) ( i ) either modify the account as appropriate based on the result of the reinvestgation OR delete the account. XXXX clearly has failed to modify the error I brought to there attention because the same error is reporting after there verified as accurate results. I have tried disputing with XXXX indirectly and have also tried sending Acima a direct dispute at the address XXXX  specifies for me to reach out to them to. My consumer file remains inaccurate and incomplete after XXXX confirmed the account was accurate. I have no other option but to bring this matter to your attention to get XXXX to comply to federal and state laws because clearly XXXX  does not care about law that they are required to comply to. I have also included a copy of the dispute I recently sent XXXX on XX/XX/XXXX just in case XXXX doesnt comply for your viewing.

Company response to consumer: Closed with non-monetary relief