Consumer complaint received 2026-05-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> To : XXXX XXXX XXXX RE : FORMAL NOTICE OF DISPUTE, CEASE & DESIST, DEMAND FOR VALIDATION AND DELETION UNDER FCRA & FDCPA INCLUDING 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing to formally dispute inaccurate, unverified, misleading, and legally defective information currently being reported on my consumer credit files. This letter serves as a formal notice demanding a complete reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and related provisions. Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), you and any third-party debt collectors associated with these accounts are hereby instructed to CEASE all communication with me except for legally required notices regarding specific action being taken. Under federal law, you are required to maintain maximum possible accuracy and conduct a reasonable investigation of disputed accounts. Reporting information without competent evidence, contractual documentation, chain of assignment, or verified account-level records constitutes negligent and/or willful noncompliance. The following accounts and data are formally disputed and must be investigated immediately : * XXXX XXXX XXXX / XXXX Accounts ending in XXXX and XXXX * XXXX XXXX collection account ending in XXXX * XXXX XXXX / XXXX account ending in XXXX * XXXX XXXX XXXX account ending in XXXX * XXXX XXXX collection account ending in XXXX * XXXX XXXX auto loan account ending in XXXX * XXXX XXXX XXXX account ending in XXXX I also dispute the reporting of inaccurate personal information and obsolete addresses appearing on my file, including but not limited to : * XXXX XXXX XXXX * XXXXXXXX XXXX XXXXXXXX * XXXX XXXXXXXX XXXX addresses * XXXX XXXX, CA addresses These addresses are obsolete and/or inaccurate and must be permanently deleted from all consumer reporting databases immediately. Furthermore, several collection accounts appear to be duplicated, re-aged, or simultaneously reported by multiple furnishers, which is misleading and materially inaccurate under the FCRA. Reporting the same alleged debt under multiple tradelines inflates derogatory information and damages my creditworthiness unlawfully. You are hereby demanded to provide the following within the statutory investigation period : 1. Original signed contract bearing my signature 2. Complete payment history 3. Method of verification used 4. Name and address of the party who verified the information 5. Proof of legal ownership/assignment of the alleged debt 6. Proof that the furnisher is licensed and authorized to collect in California 7. Documentation proving compliance with FCRA and FDCPA requirements Failure to provide competent evidence requires immediate deletion of these accounts from my consumer reports. Be advised : * A generic XXXX verification response is not considered a reasonable investigation. * Failure to properly investigate disputed information constitutes violations of 15 U.S.C. 1681i and 1681e ( b ). * Continued reporting of unverified accounts after notice of dispute may constitute willful noncompliance exposing furnishers and consumer reporting agencies to civil liability. * Any continued collection activity without validation after receipt of this notice may constitute violations of 15 U.S.C. 1692c ( c ) and related FDCPA provisions. I demand deletion of all unverifiable, inaccurate, misleading, duplicated, obsolete, and legally defective information immediately. If these matters are not corrected within the federally mandated timeframe, I will pursue all available remedies including complaints filed with : * [ Consumer Financial Protection Bureau ( CFPB ) * [ Federal Trade Commission ( FTC ) * California Attorney General * Civil litigation for FCRA and FDCPA violations, including claims for actual, statutory, and punitive damages. Please note that this correspondence is not a refusal to pay, but a notice that your reporting obligations under federal law require strict compliance and competent verification. All future correspondence must be made in writing only. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation