Consumer complaint received 2021-12-12
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE COMPANY ACIMA XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY, AND I, HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. ON XX/XX/XXXX MY ALL CAPS NAME ENTERED INTO A CONSUMER CREDIT CONTRACT UNDER 16 CFR 433.1 ( i ) WITH XXXX XXXX XXXX XXXX, WHO IS THE SELLER DEFINED UNDER 16 CFR 433.1 ( j ) NOT, THE NATURAL PERSON. I USED MY CREDIT CARDS AS DEFINED UNDER 15 USC 1602 ( l ), AND UNDER 16 CFR 433.2 PER MY SIGNED CONTRACT AS THE DEBTOR I AM NOW ASSERTING MY RIGHTS THAT THE CONTRACT IS FRAUD BECAUSE IT WAS PAID WITH THE INSTRUMENTS LISTED ABOVE. ANY ATTEMPTS TO COLLECT A DEBT THAT HAS ALREADY BEEN PAID IS A VIOLATION OF 18 USC 8 BECAUSE OBLIGATIONS ARE OF THE UNITED STATES. ACIMA XXXX XXXX XXXX, IS NOW THREATNING ME WITH AN ALLEGED DEBT THAT THEY CLAIM I OWE, WHICH IS FALSE, UNFAIR, AND DECEPTIVE UNDER 16 CFR 433.2. THIS ORGANIZATION IS IN VIOLATION OF 15 USC 1681b ( a ) ( 2 ) THEY DID NOT AND DO NOT HAVE PERMISSABLE PURPOSE TO INFRINGE UPON MY RIGHT TO PRIVACY TO FURNISH A CONSUMER REPORT CLAIMING THAT I OWE AN ALLEGED DEBT THAT I DO NOT OWE UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), AND CAUSING DAMAGES, AND INJURIES TO MY NAME, REPUTATION, AND CHARACTER AS A NATURAL PERSON. The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress, in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( d ) ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation