Consumer complaint received 2021-08-31
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX I received feedback after sending a debt validation request to Acima Credit LLC on alleged debt I Do not owe. they in returned responded with a deceptive form stating that I owe an alleged debt. 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They have violated my rights as a federally protected consumer. Acima has communicated with me indirectly on my credit report. This has violated my right as a consumer too privacy congress has said so pursuant to USC 15 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ACima has stated that they are not a debt collector and that these consumer laws does not apply to them Pursuant to USC 15 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such Alledged debts. This debt is not mine .. For the purpose of section 1692 ( a ) ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.Acima has also hassrased with this conduct as well as pursant to USC15 1692 ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : see attach statement they used ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also 15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt ; in the letter it states the character amount allegedly as {$1800.00} Allegedly on the credit report it states {$1800.00}

Company response to consumer: Closed with explanation