Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
Dispute Denials of False Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Escalation of FCRA Dispute Denials Account : American Credit Acceptance, Full Loan Balance Reported as Collections ( Not Repossession/Deficiency ) ; Multiple Violations of Arizona Law ; Request for Full Investigation Results, Correction, and Deletion. 

This Complaint is Against 3 Credit Reporting Agencies, below is the copy of what was sent to each agency : This letter escalates my prior online disputes ( filed [ insert approximate dates if known ] ) regarding the inaccurate collections account from American Credit Acceptance LLC reporting the full original loan balance ( ~ {$10000.00} ) on my credit reports for the repossessed XXXX XXXX XXXX ( VIN : XXXX, purchased XX/XX/XXXX from XXXX XXXX ). Despite evidence provided, you denied my disputes without reasonable investigation under FCRA 611 ( a ), failing to delete or correct this item. The reporting violates FCRA accuracy requirements ( 607 ( b ) ) and Arizona statutes governing vehicle repossessions and deficiencies, as detailed below with attached proof. Immediate deletion is required.

Factual Background The vehicle was financed via Retail Installment Contract assigned to American Credit Acceptance ( attached as Exhibit A : XXXXXXXX XXXX ). Due to documented defects and warranty misrepresentation ( Exhibit B : Jeep-Purchase-Nightmare.pdf ; Exhibit C : XXXX XXXX XXXX XXXX ), payments were withheld, leading to repossession. No repo tradeline appearsonly a collections entry for the full pre-sale balance without crediting auction proceeds, constituting inaccurate reporting. Arizona AG confirmed investigation into related dealer fraud ( Exhibit D : XXXX & XXXX ). Your denials ignored this evidence and furnisher verification failures. 

Violations of Arizona Repossession/Deficiency Laws 1 . * * A.R.S. 47-9623 Failure to Provide Required Deficiency Notice * * : Creditor must send notice post-repossession detailing sale details, surplus/deficiency computation, and redemption rights within strict timelines before pursuing balance. No such notice in records; reporting full balance without proof of compliant sale violates this, rendering debt uncollectible and unreportable.

2. * * A.R.S. 47-9627 Commercially Unreasonable Sale * * : Creditor must sell repossessed vehicle in commercially reasonable manner ( e.g., public auction with notice ). Reporting full balance implies no/secret sale or unreasonable proceeds credit, breaching UCC duties ; deficiency invalid without compliance.

3. * * A.R.S. 28-4412 & R17-5-201 Improper Delivery/Prep Leading to Repo * * : Dealer ( Pinnacle Nissan ) released unfit vehicle without prep/fluids check despite promises, breaching dealer licensing rules and implied warranty of merchantability ( A.R.S. 44-1267 : 15 days/500 miles roadworthiness ). This voids contract defenses assignable to creditor under holder notice.

4. * * A.R.S. 44-1522 Consumer Fraud Taint * * : Underlying sale involved fraud ( misrepresented warranty, undisclosed defects per AG complaint ), making debt unenforceable ; FCRA prohibits reporting disputed invalid debts.

5. * * A.R.S. 12-1551 : Current ongoing inaccurate credit reporting of full sales amount extends harm.

FCRA Procedural Violations - * * 611 ( a ) ( 1 ) ( A ) Unreasonable Investigation * * : Bureaus failed to conduct " reasonable '' review of evidence ( contracts, AG docs proving invalid debt ) ; mere furnisher confirmation insufficient if furnisher inaccurate.

- * * 623 ( b ) ( 1 ) Furnisher Duty Breach : American Credit Acceptance didn't verify accuracy, ignoring Arizona notice/sale rules.

- * * 611 ( d ) Blocked Reinvestigation * * : Repeated denials without results disclosure warrants suppression.

Demands Under FCRA and Arizona Law 1. Provide complete investigation files, furnisher responses, and denial rationale within 15 days ( 611 ( a ) ( 6 ) ).

2. * * Delete the collections account entirely * * as inaccurate/invalid.

3. Add 100-word statement to file : " Invalid repo deficiency ; no A.R.S. 47-9623 notice ; full balance inaccurate. '' 4. Forward this to American Credit Acceptance for correction/deletion.

Noncompliance will prompt CFPB/FTC complaints , AZ AG escalation ( CIC 25-015738 ), and FCRA lawsuit seeking full lawful statutory damages, attorney fees ( 1681n/o ). 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX Enclosures/Exhibits * * : - Exhibit A : XXXXXXXX XXXX ( Contract/Title ) [ 1 ] - Exhibit B : XXXX ( Breakdown Proof ) [ 7 ] - Exhibit C : XXXX ( AG Complaint ) [ 3 ] - Exhibit D : XXXX ( AG Response ) [ 13 ] - Credit Reports with Disputed Item ( attach copies ) cc : CFPB ( via portal ) ; AZ AG ( CIC 25-015738 ) ; American Credit Acceptance, XXXX XXXX XXXX, XXXX OH XXXX [ XXXX ]

Company response to consumer: Closed with explanation