Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXX * * Date of Last Payment : XX/XX/XXXX Reported Balance : {$0.00} * * Dear Sir or Madam, I am writing to formally request the chain of assignment and complete account-level documentation related to the above-referenced account, which ACA XXXX * * is currently reporting on my credit file with a balance of {$0.00} and a last payment date of XX/XX/XXXX. 

This request is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), which entitle me to all information in my consumer file, including the sources of that information. The FCRA requires that any information reported to consumer reporting agencies be accurate, complete, and verifiable.

Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers like ACA have an obligation to investigate disputes and correct or delete any information that can not be substantiated with evidence. 

To date, I have not received documentation validating that ACA has the legal right to report or collect on this account. Accordingly, I request the following : The complete chain of assignment, including all bills of sale or transfer agreements from the original creditor to ACA ; A copy of the original account agreement or contract bearing my signature ; A complete payment history and account ledger showing all debits, credits, interest, and fees ; Any notices of assignment or transfer of ownership provided to me as required by law. 

Unlawful Reporting Without Originating Creditor Relationship According to federal consumer protection law, it is illegal for a debt collector to report a debt on a consumers credit file if the debt did not originate with the original creditor or if the reporting entity lacks a direct contractual relationship with the consumer. 

The FCRA and Fair Debt Collection Practices Act ( FDCPA ) prohibit misrepresenting legal standing or furnishing inaccurate information to consumer reporting agencies. Reporting a debt without proof of a valid assignment or contract is considered false and misleading under 15 U.S.C. 1692e.

In FTC v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ), the court affirmed that reporting or collecting debts without documentation or authority violates federal consumer laws. If ACA is unable to produce a contract bearing my signature or a verified chain of assignment, your continued reporting of this account is unlawful. 

Even though the balance is reported as {$0.00}, any tradeline remaining on a credit file must be accurate, verifiable, and not misleading, particularly regarding payment history and current status. 

Demand for Documentation You are hereby required to provide the following within 30 days of receipt of this letter : Verified chain of assignment ; Copy of the original account agreement or lease bearing my signature ; Detailed account history, including payments and charges ; All notices of assignment sent to me ; Any evidence supporting ACAs right to report this tradeline.

Preservation of Evidence ACA is hereby instructed to preserve all records, electronic communications, internal documentation, and correspondence related to this account. Failure to do so may constitute spoliation of evidence and result in legal consequences.

If ACA fails to provide the requested information, or continues reporting unverifiable data, I reserve the right to take legal action under the FCRA, FDCPA, and applicable state laws. You may be liable for actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n, 1681o, and 1692k. 

Please direct all correspondence and documentation to the address listed above. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation