Consumer complaint received 2023-01-05
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They responded to a previous CFPB complaint still suggesting they did not have enough information to identify that I have an account with them and then asked for proof that they're even reporting on my credit. I find these claims and requests not only ridiculously false, but extremely lazy. As mentioned before, I have provided them both in my letter to them and the previous CFPB complaint my name, dob, current address, social security number and the full account number to the account that was listed on my credit report. If they insist they still can't find any account associated with my information, then they need to delete and discontinue any reporting to my consumer report. I have attached all of the information AGAIN and this time included proof of their reporting to my consumer report as well as their haphazard response. My identifying information is attached to the " XXXX '' document since that's exactly how I sent the letter to them. 

On XX/XX/XXXX I sent out a certified letter ( tracking no. : XXXX ) notifying Acima Digital FKA SIMP that they were reporting inaccurate and incorrect information to my consumer report. They have a responsibility to report accurate information pursuant to 15 USC 1681s-2. The letter was recorded as delivered on XX/XX/XXXX. The letter was acknowledged as received by Acima on XX/XX/XXXX. Their response to my notification ( received XX/XX/XXXX ) is insufficient, incorrect and fraudulent at best. The cited 12 CF 1022.43 ( f ) ( ii ) Suggesting that I've already submitted a dispute and they satisfied the requirements of said dispute. I have never submitted a dispute to Acima or any of the major credit reporting agencies for this account. Furthermore, no form of debt validation has ever been delivered to or discussed with me, the consumer. That is a direct violation of the law and my rights as outlined in 15 USC 1692, 15 USC 1692g AND 12 CFR 1006.34. Their letter response continues to fraudulent suggest that I did not send enough information for them to identify what account I was referencing. That is not possible as I sent them a clear copy of my Drivers License, Social Security Card and recent utility bill. I did call Acima on XX/XX/XXXX with my identifying information to inquire about what was needed to send a letter to identify the account and a representative by the name of XXXX XXXX told me they could not give account numbers over the phone and to just send the letter in with my ID and social. That was not a good enough answer for me and I was able to find the full account number by looking on my credit reports and then I literally listed the account number at the very top of the letter I sent in directly above Acima 's address, you cant miss it. Then the cited 12 CFR 571.43 ( b ) and maybe they failed to read the whole thing but I will spell it out here : " ( b ) Exceptions. The requirements of paragraph ( a ) of this section do no apply to a furnisher if : ( 1 ) The direct dispute relates to : ( i ) The consumers identifying information ( other than a direct dispute relating to a consumers liability for a credit account or other debt with the furnisher, as provided in paragraph ( a ) ( 1 ) of this section ) such as name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ''. Let us also acknowledge that the law they cited is only listed under the Office of Thrift Supervision which is the primary federal regulator of all federal and state-chartered savings institutions across the nation that belong to the Savings Association Insurance Fund ( SAIF ). Acima does not fall under that blanket at all. I put you on notice for reporting inaccurate information to my consumer report and so far the response has been that they already dealt with this dispute ( False. I've never reported this account ), I did not send a enough information to identify the account ( False. I sent my License, Social and the reference account number ), and that they don't have to investigate because they believe the dispute relates to my identifying information? ( False. My notification that you are indeed reporting inaccurate and incorrect information to my consumer report does not fall under the " exceptions '' of 12 CFR 571.43 ). Acima is in direct violation of 15 USC 1681i ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information, 15 USC 1681i ( a ) ( 1 ) ( A ) ; Reinvestigation required, and Acima is clearly exhibiting willful and negligent non-compliance pursuant to 15 USC 1681o ; Civil liability for negligent noncompliance, which can and will leave them open to civil action.

Just in case they resist a resolution here again, I will be sending a final Debt Validation letter today before I feel forced to seek the appropriate counsel to sort this out.

Company response to consumer: Closed with explanation