Consumer complaint received 2023-05-18
Company: ACIMA CREDIT, LLC
State: AL
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:
Dear Acima Digital, I am writing this letter for the second time to express my deep frustration and concern regarding the persistent presence of the account [ Account Number : XXXX ] on my credit report. The continued inclusion of this account is significantly impeding my ability to obtain a mortgage, and I demand its immediate removal from my credit history. 

As I explained in my previous correspondence, securing a mortgage is of paramount importance to me. However, the existence of the account [ Account Number : XXXX ] on my credit report casts a shadow over my creditworthiness and jeopardizes my chances of obtaining favorable mortgage terms. I can not overstate the urgency and gravity of this situation. 

I find it utterly unacceptable that despite my prior written request, Acima Digital has not taken any action to address this matter. Your inaction demonstrates a disregard for the severe consequences I face and raises serious concerns about Acima Digital 's commitment to customer service and ethical business practices. 

I demand an immediate and definitive resolution. Acima Digital must take swift and decisive action to remove the account [ Account Number : XXXX ] from my credit report without further delay. The impact of your inaction on my mortgage application is untenable, and I hold Acima Digital responsible for any adverse consequences that may result. 

It is your responsibility, both legally and ethically, to ensure the accuracy and fairness of credit reporting. I demand that you fulfill this obligation promptly, recognizing the urgency and the detrimental effect your actions are having on my financial future. 

Failure to comply with this demand will leave me no choice but to explore all available legal avenues to seek redress. I will not hesitate to report Acima Digital 's non-compliance to the appropriate regulatory authorities and pursue legal remedies to protect my rights and financial well-being. 

I expect an immediate response to this letter, confirming your commitment to resolving this issue and providing a detailed plan of action for the removal of the account [ Account Number : XXXX ] from my credit report. Transparency and clear communication throughout this process are essential. 

Given the time sensitivity of my mortgage application, I anticipate a swift and satisfactory resolution within [ specify a reasonable timeframe, such as 10 business days ] from the date of this letter. Your urgent attention and proactive measures are crucial in rectifying this situation and restoring my confidence in Acima Digital 's commitment to customer satisfaction. 

I demand a prompt resolution to this matter, demonstrating your dedication to correcting the harm caused by your previous inaction. I expect nothing less than a swift and comprehensive response from Acima Digital. 

Sincerely,

Company response to consumer: Closed with non-monetary relief