Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
FORMAL CFPB COMPLAINT & DEMAND FOR CORRECTION Submitted by : XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Drivers License : XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX GA XXXX Alternate Address : XXXX XXXX XXXX, XXXX XXXX OH XXXX To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous and ongoing violations of federal consumer protection laws by multiple entities, including but not limited to American Credit Acceptance ( ACA ). These violations involve the improper use, sharing, and reporting of my personal and financial information and have caused significant harm to my credit report, financial standing, and privacy. 

1. Unauthorized Use & Reporting of My Credit Information My personally identifiable information was compromised in a data breach and subsequently appears to have been sold or accessed by third-party agencies without my consent. This violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809. 

As a result, the following accounts have been inaccurately or fraudulently placed on my credit report : Summit A R Balance : {$3000.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} | Opened : XX/XX/XXXX American Credit Acceptance ( ACA ) Balance : {$27000.00} | Account Number : XXXX Opened : XX/XX/XXXX | Reported Closed : XX/XX/XXXX I do acknowledge the ACA account, but it contains multiple false, misleading, and unlawful reporting elements, including a premature charge-off, inflated balance, false repossession redeemed status, and missing or conflicting repossession codes. These errors violate FCRA 1681s-2, FDCPA 1692e, and may potentially violate IRS Code 6050P if a Form 1099-C was also filed without proper adjustment of reporting status. 

2. Violations of 15 U.S.C. 1666b Timely Credit Payment Posting My credit report includes several late payments that are inaccurate, having been reported despite payments being made on time. Under 15 U.S.C. 1666b, creditors must apply payments on the date received and report them fairly. These incorrect delinquencies are damaging my credit profile and must be fully corrected or removed. 

3. Inaccurate Personal Information on My Credit Reports My credit reports also contain numerous identity inaccuracies, including unauthorized aliases, contact details, and addresses : Correct Legal Name : XXXX XXXX XXXX XXXX Correct Phone Number : ( XXXX ) XXXX Correct Email : XXXX Authorized Addresses : XXXX XXXX XXXX XXXX, XXXXXXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I request immediate removal of all incorrect name variations, phone numbers, email addresses, and previous addresses not provided or verified by me. 

4. My Demands Under the Law Under the authority of the FCRA, FDCPA, TILA, and other applicable laws, I formally demand the following actions be taken within 30 days : Immediate deletion or correction of all unauthorized or unverifiable accounts, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Full correction or removal of the ACA account, including : Removal of the false Repossession Redeemed status Accurate reporting ( if retained ) of the XX/XX/XXXX repossession Removal or accurate adjustment of the charge-off and balance Removal of all inaccurate late payments reported in violation of 1666b. 

Correction of all personal identifiers on my credit reports across Equifax, TransUnion, and Experian. 

A formal written response confirming the results of investigation and actions taken. 

Failure to comply may result in legal escalation, enforcement through state attorney general offices, or additional regulatory filings. 

Sincerely, XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Drivers License : XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX  GA XXXX Alternate Address : XXXX XXXX XXXX, XXXX XXXXXXXX OH XXXX

Company response to consumer: Closed with explanation