Consumer complaint received 2023-07-08
Company: American Credit Acceptance, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Formal Complaint Regarding Identity Theft and Fraudulent Account Dear Sir/Madam, I am writing to file a formal complaint against American Credit Acceptance regarding a fraudulent account that has been erroneously reported on my credit history. I recently discovered the existence of this account, which I have no knowledge of or involvement in, and I am seeking your assistance in resolving this matter promptly. 

Account Details : Account Type - Detail : Auto Loan Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$17000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX I want to emphasize that I have never entered into any agreement or contractual arrangement with American Credit Acceptance or any related entity. It is evident that my personal information has been compromised, resulting in the fraudulent opening of this account. This incident has caused me significant distress, as well as the potential for reputational and financial harm. 

As a victim of identity theft, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the obligation of credit reporting agencies and data furnishers to conduct reasonable investigations into disputed information. Section 605B of the FCRA provides consumers the right to dispute inaccurate or fraudulent information on their credit report. I am exercising that right and requesting the immediate removal of this fraudulent account from my credit report. 

I have already taken steps to report the fraudulent account to the major credit bureaus, but it remains on my credit report despite the evidence provided. I have also filed a police report documenting the identity theft incident, which I have enclosed with this complaint. The enclosed documentation serves as proof of my non-involvement in this fraudulent account and supports my request for its removal. 

I understand that American Credit Acceptance has a responsibility to ensure the accuracy of the information it reports to credit bureaus. Failure to remove inaccurate or fraudulent information can have severe consequences for consumers, including damage to their creditworthiness, difficulty in obtaining credit, and potential legal action. I urge American Credit Acceptance to promptly investigate this matter, correct any inaccuracies, and remove the fraudulent account from my credit history. 

I kindly request that you keep me informed of the progress of this complaint and provide me with written confirmation once the fraudulent account has been removed from my credit report. Additionally, I would appreciate any guidance or assistance you can provide to expedite the resolution of this matter and prevent any further negative impact on my credit standing. 

I trust that American Credit Acceptance will handle this complaint with the utmost seriousness and urgency, in adherence to the applicable laws and regulations governing the accurate reporting of consumer credit information. I look forward to a swift resolution that restores my credit report to its accurate and untarnished state. 

Thank you for your attention to this matter. 

Yours faithfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief