Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX CRRG, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report. 
Below is a summary of the data in which I am challenging : ACIMA DIGITAL FKA SIMP Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$6300.00} Closed Date : -- Credit Limit : -- Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : - Finance Date Opened : XXXX Date Reported : - XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : {$7500.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Lease I am writing to dispute the inaccurate reporting of the account ACIMA DIGITAL FKA SIMP with the number XXXX on my credit report. Your records indicate that this account is listed as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity on XXXX, and was last verified on XXXX. This information is not correct, and I request that this account be deleted from my credit report immediately. 
Under 15 U.S.C. 1681s-2, creditors and credit reporting agencies are required to report accurate information. I also request that you provide detailed documentation showing how this account was verified, along with evidence supporting the claim that I owe the {$6300.00}, which I dispute. 

XXXX significant legal cases highlight the importance of accurate reporting. Firstly, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that credit reporting agencies must remove inaccurate or unverifiable information promptly. This case clearly supports my request for the removal of this inaccurate entry from my credit report. 

Secondly, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) further established that a failure to investigate a disputed item adequately can lead to liability under the FCRA. The court found that a lack of thorough investigation violates the rights of consumers, thereby requiring the removal of incorrect information. 
In light of these precedents, I expect this matter to be resolved promptly and in accordance with federal law. 

Also, see the image above for ACIMA DIGITAL FKA SIMP ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights.

Company response to consumer: Closed with non-monetary relief