Consumer complaint received 2023-07-07
Company: ACIMA CREDIT, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a serious matter of identity theft and the subsequent fraudulent actions taken by unknown individuals using my personal information. I am a victim of this crime, and I request your assistance in resolving the issue promptly. 

On XX/XX/XXXX, I discovered that my personal information, including my name and Social Security number, had been unlawfully used to open an account with XXXX XXXX XXXX  without my knowledge or consent. The initial charge associated with this account was {$5000.00}, and it was opened in XX/XX/XXXX. I have taken the necessary steps to address this situation by filing a complaint with my local police station, and they have generated a police report that serves as evidence of the identity theft. 

Additionally, I have reported the incident to the Federal Trade Commission ( FTC ), which has initiated an investigation into the matter. I have attached copies of the police report and FTC complaint for your reference, which was sent to the FTC via certified mail with return receipts. I expect that these documents will aid in expediting the resolution of this matter. 

To compound the issue, the account with XXXX XXXX XXXX was subsequently sold to Acima, a debt collection company, without my consent or prior knowledge. The current outstanding balance on this account is {$5200.00} as of XX/XX/XXXX. I request that you take immediate action to rectify this situation by removing this fraudulent account from my credit report. 

Furthermore, I have recently discovered another fraudulent account on my credit profile, opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This unauthorized account carries a negative impact on my credit score, with an associated amount of {$440.00}. I request that this account be promptly removed from my credit report as well. 

Despite having provided all relevant documentation and information to support my claims, I am disheartened to observe that over two weeks have passed, and these fraudulent accounts have not yet been removed from my credit report. This delay has severely affected my ability to obtain new credit, secure a vehicle, and even find suitable housing. 

I kindly request that you take immediate action to investigate this matter thoroughly and ensure the removal of the fraudulent accounts from my credit report. Additionally, I would appreciate your assistance in notifying all relevant parties involved, including XXXX XXXX XXXX, Acima, and XXXX XXXX XXXX XXXX XXXX  about the fraudulent nature of these accounts and the necessity for their immediate closure. 

Please find attached the certified mail receipts, police report, and FTC complaint for your perusal. I trust that you will treat this matter with utmost urgency and resolve it promptly. I eagerly await your response and appreciate your cooperation in rectifying this distressing situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation