Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (CA)

XXXX refuse to remove a charge off off my credit report. This charger is affecting in my credit score, and I am currently a young woman trying to purchase a home and repair her her livelihood. I went through a hardship I was homeless. I became ill with XXXX and I was unable to pay the debt Towards a XXXX, they close the debt as a charge off and illegally are continuously displaying it on my credit report Ive been though I am ask for fair removal fees and they also are displaying the incorrect amount and I originally agreed to pay and they continue to say I was late after they had charged off my account. 
ACIMA DIGITAL FKA SIMPLE Potentially Negative Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until Payment History ACIMA DIGITAL FKA SIMPLE XXXX Lease Individual XX/XX/XXXX Account charged off. {$690.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2200.00} XX/XX/XXXX - - {$2100.00} - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX? XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Annual Credit Report - XXXX Here is the Original Invoice : As it Displays the Correct Amount from the Creditors. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Invoice # Invoice Date Balance Due XXXX XXXX {$0.00} Line Total {$890.00} {$29.00} {$920.00} Item Repair Cable Disclaimer Description XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX Unit Cost {$890.00} {$14.00} Quantity XXXX XXXX XXXX XXXX  Return Policy- Used computers, phones, tablets and monitors may be returned within 14 calendar days from date of purchase. New computers, monitors, ipads, tablets, phones, ipods, mp3 players, hard drives, keyboards, mice, cases, covers, accessories, or miscellaneous items are not returnable. Items must be returned to XXXX  XXXX within 14 calendar days of purchase. All products must be returned in the same condition they were purchased and all chargers and accessories must be included. XXXX XXXX will assess a 15 % restocking fee on all returns within the 14- day period. No returns will be accepted out of the 14-day period. No other products can be returned. This includes, but is not limited to : hard drives, adapters, RAM, optical drives, cables, chargers, cases, mice, keyboards and any miscellaneous parts not listed. Purchases made with credit card will be refunded to the same card used for purchase. Under no circumstance will a refund or return be granted without the original receipt. Customer MUST bring their receipt in for a refund or return on any kind. All items presented for refund or return must be presented with original receipt at time refund is granted. No exceptions. Customers paying in cash will be mailed a check within 30 days of return. 6 month warranty on all repairs including parts and labor. 
Repairs/Data Transfers/Service : All hardware repairs carry a 6 month parts/labor warranty. XXXX XXXX will replace/repair any defective parts within 6 months of service performed. There are no refunds or warranties on rush fees, data transfers or software related services. 
Exchanges : Exchanges for computers will be accepted within 14 calendar days from date of purchase. Exchanges are only valid for computers. No other products can be exchanged. 
Warranty : XXXX XXXXXXXX warranties all computer sales for 90 days from original date of purchase against any manufacturing defects. Warranty does not cover accidental damage, cosmetic damage, LCD imperfections, software issues, and anything deemed reasonable for a used computer, phone, tablet, or monitor. 
Trade-ins : When a computer is traded in it becomes property of XXXX XXXXXXXX XXXX XXXX  XXXX has no responsibility to save any data that is on the computer when traded in. All data will be erased. ALL TRADE-INS ARE FINAL. NO EXCEPTIONS WILL BE MADE. 
Signed : Date : Subtotal Tax Invoice Total Payments - {$930.00} Credits Balance Due {$0.00} {$0.00} {$2.00} {$930.00} Next Receipts Displays Actual Cost : RECEIPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SALE Invoice Number : XXXX Payment Date : XXXX XXXX XXXX AM Customer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  1.0 Cable 2.0 Price {$890.00} {$14.00} Invoice Subtotal : {$920.00} Invoice Tax : {$2.00} Invoice Total : {$930.00} Payment Method : Acima Payment Amount : {$930.00} I agree to pay the above total amount according to the card issuer agreement ( Merchant Agreement if credit voucher ), and agree that the above work was completed. 
X________________________ Cardholder Signature APPROVED - THANK YOU Here the lease is showing As Closed XXXX XXXX XXXX XXXX XXXX ( Closed ) This lease is closed. For more information please call XXXX Lease Details Name : XXXX XXXX Merchant : XXXX XXXX Property Description : XXXX XXXX XXXX I also want to XXXX XXXX XXXX XXXX My accounts with them closed and charged off yet remains on my credit report and requesting these be removed due to fact that the company owns the debt. And have charged it yet report to my credit report as late. They are ruining my credit as a young woman who had a few harships related to XXXX. I also disputed this with credit bureau they have not got back with my request., XXXX XXXX XXXX Under dispute Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until Payment History XXXX XXXX XXXX XXXX Deposit Individual XX/XX/XXXX Account charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$380.00} XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Was named another Name I believe XXXX XXXXXXXX XXXX XXXX Located at the Same Address. They change their name without warning my changed off my debt in their previous name. And Continue to Report this Charge off as late under a name that I do not have a contract with. I have never signed any documents with XXXX XXXX XXXX XXXX and I did not open my account with XXXX XXXX., I was never aware they were changing their name., and they were previous attempts to pay the debt before a control and their staff members refused to call me back I went through a hardship and became unable to pay the debt due to homelessness due to the pandemic, and also becoming sick with XXXX that I was unable to pay the debt and they wrote it off.