Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (TX)

To whom it may concern, I'm reaching out to address a concerning matter regarding the information furnished by American Credit Acceptance account # XXXX that is adversely affecting my creditworthiness. Upholding principles of good faith in our interactions is essential for both parties involved. I've consistently acted in good faith and expect American Credit Acceptance to reciprocate this approach. American Credit Acceptance asserts the validity of an alleged auto loan debt, which raises significant questions as I have no recollection of entering into any agreement with American Credit Acceptance regarding the debts it claims I am obligated to pay. 

First and foremost, I'm deeply troubled by how American Credit Acceptance gained access to my means of identification, as defined by XXXX  law under section 32.51 of the Penal Code. American Credit Acceptance 's unauthorized possession and transfer of my means of identification constitute identity theft, resulting in severe harm to me. Furthermore, American Credit Acceptance 's furnishing of my information to credit reporting agencies such as XXXX and XXXX contributes to its classification as a credit reporting agency under Texas law. I request immediate proof of authorization granting American Credit Acceptance permission to access my personal information and share it with third parties. Regardless of the validity of the debts in question, American Credit Acceptance has collected and furnished my information unlawfully.

Under Texas law, American Credit Acceptance is operating as a XXXX XXXX XXXX, not solely as a debt collector, as it regularly collects and evaluates information about consumers ' credit history and financial behavior, and shares this information with other entities. Consequently, American Credit Acceptance plays a significant role in influencing individuals ' credit scores and financial opportunities, similar to credit reporting agencies such as XXXX, XXXX, and XXXX. Denying this classification would be contrary to Texas law. 

Furthermore, as American Credit Acceptance is classified as a credit reporting agency under XXXX law, it is obligated to comply with my written instructions as a consumer without delay. Pursuant to Texas law, my written instructions must not be disregarded. I hereby invoke my rights under Texas XXXX to direct American Credit Acceptance to delete its tradeline on my consumer report, as outlined in section XXXX of the XXXX Business & Commerce Code. 
Moreover, under XXXX law, American Credit Acceptance is required to initiate an investigation into my dispute and disclose the results within 30 days of receiving this complaint, as per section 20A of the XXXX  Business & Commerce Code. Failure to conduct an investigation and comply with my written instructions will constitute willful non-compliance under XXXX law, entitling me to damages. American Credit Acceptance has incurred multiple violations, in addition to potential criminal action for identity theft. I demand immediate compliance with my written instructions. 

I refuse to tolerate deceptive and manipulative practices by debt XXXX, which exploit unsuspecting consumers ' lack of knowledge about their rights. I remind American Credit Acceptance that this communication is occurring through a governmental agency website, and I am prepared to report American Credit Acceptance 's unlawful actions to the appropriate authorities. It is imperative that both parties operate in good faith and fulfill their legal obligations under XXXX law. 

To reiterate, I direct American Credit Acceptance to promptly delete its tradeline on my consumer report and initiate an investigation into my dispute as required by XXXX  law. Failure to comply will result in legal action and civil penalties. To achieve a fair resolution, I propose the following : American Credit Acceptance must delete its tradeline on my consumer report immediately and provide confirmation of this action within 30 days.

American Credit Acceptance must initiate an investigation into my dispute and provide the results within the stipulated XXXX period. 
American Credit Acceptance must cease all debt collection activities with prejudice.

As part of a fair resolution, I recommend that employees of American Credit Acceptance receive training on consumer laws, including but not limited to XXXX Penal Code section 32.51, XXXX  Business & Commerce Code section 20A, and relevant federal statutes. I trust that American Credit Acceptance will prioritize this matter and take the necessary steps to resolve it expediently and in accordance with Texas law. 

Attached is a copy of my notarized police report and XXXX report. I expect this to be removed from my credit report as soon as possible. 

Sincerely, XXXX XXXX