Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (FL)

TO ACIMA FRAUD DIVISION, I am in receipt on your email of XX/XX/XXXX indicating that after review you seem to feel that this identity theft account might actually be mine. 

It has come to my attention since I originally wrote to you that on the same day XX/XX/XXXX that XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, NY. Phone XXXX who processed this loan with ACIMA under my name for the purchase of a XXXX XXXX XXXX ALSO issued a loan for a similar jewelry product. Yes the same store, XXXX XXXX XXXX same location, same day used XXXX XXXX XXXX to sell another XXXXXXXX XXXX XXXX  XXXX, again in my name. Is that not suspicious? 

The same party apparently paid for XXXX XXXX XXXX XXXX XXXX XXXX App {$140000.00} using a Fraudulent XXXX XXXX  Account which was refunded and deemed not my account. 
Does it not seem suspicious that the same XXXX XXXX  would sell similar products using XXXX different finance companies? And on that same day XX/XX/XXXX the same party purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX another XXXX XXXX  Item that was in dispute but determined to be fraudulent and XXXX XXXX  who manages many XXXX XXXXl accounts has credited all back. 

XXXX XXXX XXXX XXXX XXXX has determined that multiple fraudulent accounts were opened & used on XX/XX/XXXX all in my name. All of which have been deemed identity theft/fraudulent and I have been relieved of all responsibility. 
I have requested the following in writing, I also hereby request : what method of issuing this loan was used? 
What identification was provided to prove identity? 
And with what signature? 
Who approved this scam? 
Additionally, what credit reporting agency was used? 

Lastly, most jewelry stores use cameras for security purposes, I would request a copy of any video showing who purchased this item. 

From : XXXX XXXX On Behalf Of Fraud Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : Non-Fraudulent Lease XXXX, Due to the copious amount of evidence suggesting this account belongs to you, we will not terminate it at this time. If you have any additional information to support your claim, we encourage you to provide it to us so we may continue with the investigation. You may also dispute this account through XXXX. If you have further questions, please contact our Customer Service Department at ( XXXX ) XXXX. 


Best Regards, Acima Fraud Department XXXX XXXX XXXX XXXX, UT XXXX XXXX, On XX/XX/XXXX, Acima was notified that the account with your information may have been opened fraudulently. Upon review of the supporting documentation you have provided, we can confirm the same phone number listed as yours was entered on your application, used to sign the Agreement, and was used to speak to Acima numerous times throughout the course of your lease. In the course of our investigation, we were able to verify the location of the Property, your name, date of birth, and phone number all match what we have on file.

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), ... A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

We have reason to believe this account belongs to you. Absent proof of fraudulent activity, we will not remove our entry on your credit report or terminate the lease on file. 


Best Regards, Acima Fraud Department XXXX XXXX XXXX XXXX UT XXXX