Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Formal Notice and Demand for Verification and Full Disclosure Under FDCPA, UCC, and SEC Rules Account/File No : [ Insert if applicable ] To Whom It May Concern, This correspondence constitutes a formal notice and demand for verification and full disclosure, in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g ), UCC Article 9, and federal securities regulations under the jurisdiction of the Securities and Exchange Commission XXXX SEC ) XXXX 

Your agency has initiated a collection effort concerning a purported debt that allegedly originated with Acima XXXX XXXX XXXX XXXXXXXX, XXXX. Please be advised that I am fully aware of the following corporate actions and transactions : AGREEMENT AND PLAN OF MERGER Dated as of XX/XX/year> By and Among : XXXX, XXXX. 
XXXX, XXXXXXXX Acima XXXX XXXX XXXX XXXX, as the Member Representative Per publicly available SEC filings, the aforementioned merger likely included the assignment or transfer of numerous receivables and alleged obligations. These obligations were, in many cases, bundled, transferred into trusts, and securitized through indenture agreements and asset-backed securities ( ABS ). 

Therefore, I hereby demand that XXXX XXXX XXXX XXXX XXXX furnish all documentation validating your legal standing and interest in this matter : Required Documentation : 1. Original Title and Chain of Custody Produce the original title and chain of assignment showing how you lawfully acquired this specific account. 
If this account was transferred into any trust or used in a securitization deal, you must provide the full trust agreement, servicing agreement, pooling and servicing agreement ( PSA ), and any relevant indenture agreement.

2. Proof of UCC Lien Provide a copy of the UCC-1 financing statement showing your agency ( or its assignor ) has a perfected lien on this specific receivable, and that it is not part of a pooled asset. 
Identify the exact jurisdiction in which the lien was filed and perfected. 
XXXX. Proof You Did Not Acquire This Claim from a Trust Show evidence that the debt was not transferred from XXXX, Acima, XXXX XXXX XXXX XXXX XXXX trust for the purpose of securitization and that it is not governed under an indenture trustee acting on behalf of bondholders. 
If the asset has been pledged, hypothecated, or included in a securitization, your agency has no standing to claim ownership. 
4. Signed, Original Contract Produce the original contract with my wet-ink signature. No reproductions, PDFs, scans, or electronic agreements will satisfy this demand.

Confirm whether the contract you claim to enforce is subject to or bound by the Agreement and Plan of Merger, and if so, identify the exact entity with current beneficial title.

5. SEC Disclosure If you or the creditor is a publicly traded company or trust, provide SEC disclosure under Regulation AB, including proof of asset ownership in ABS trusts. 
Show if this receivable was reported as an asset in a 10-K, 10-Q, or 8-K filing and whether a Schedule B or Form 15G applies under SEC regulations.

Notice of No Contractual Nexus If this alleged obligation has been transferred, pooled, or securitized, then the beneficial interest is held by certificate holders of an asset-backed trust, not by XXXX XXXX XXXX  XXXX XXXX XXXX and you are hereby noticed that : I do not have contractual privity with your agency. 
No enforceable agreement exists between your agency and myself. 
You have not provided verified evidence of claim or legal title. 
Continuing collection without validation constitutes fraud, harassment, and deceptive practices under 15 USC 1692e, as well as violations of mail fraud statutes, SEC fraud regulations, and UCC Articles 3 and 9.

Instructions and Time Frame You are to cease and desist all collection efforts unless and until full documentation is produced. You have thirty ( 30 ) days from the date of this notice to respond. If you fail to meet this demand, I will consider this matter discharged and closed, and I reserve the right to pursue civil and administrative remedies against your agency. 

All communications must be made in writing and sent to the address above. No telephone contact is authorized

Company response to consumer: Closed with explanation