Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * World Acceptance Corporation * * Account Information * * * Balance Reported : {$800.00} * Date Opened : XX/XX/XXXX2019 * Term : 7 Months * Account Status : Closed * Current Payment Status : Charge-Off * Worst Payment Status : Charge-Off * Reported Date : XXXX XXXX, 2026 * * Complaint * * I am filing this complaint against World Acceptance Corporation regarding inaccurate , incomplete, and potentially misleading information being reported on my consumer credit reports. World Acceptance Corporation is reporting a charged-off account with a balance of {$800.00}. I dispute the accuracy, completeness, and verifiability of the information being furnished and request a thorough investigation. The information being reported raises several concerns. The account reflects an extensive history of derogatory reporting, yet important account information appears to be missing or incomplete, including the highest balance, payment information, and other account details necessary to verify the accuracy of the reporting. Additionally, I have not been provided sufficient documentation supporting the reported charge-off status, balance, payment history, or date of first delinquency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not report information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers must conduct a reasonable investigation, review all relevant information, and correct, update, or delete information that can not be verified. The Consumer Financial Protection Act prohibits unfair, deceptive, or abusive acts or practices. Reporting incomplete, misleading, or unsupported account information may unfairly harm a consumer 's credit standing and ability to obtain credit. I request that World Acceptance Corporation provide : 1. The original loan agreement and all account disclosures. 2. Documentation proving I am legally responsible for the debt. 3. A complete account ledger from account opening through charge-off. 4. Documentation supporting the reported charge-off status. 5. Documentation supporting the current balance of {$800.00}. 6. A complete payment history showing all payments received and applied. 7. Documentation establishing the date of first delinquency. 8. Documentation supporting every reported late payment and derogatory notation. XXXX. Documentation explaining any missing or incomplete account information. 10. Copies of any records used to verify the account during prior disputes or investigations. 11. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and Metro 2 reporting standards. The Consumer Financial Protection Bureau has emphasized that furnishers must maintain adequate records supporting the accuracy and integrity of information reported to consumer reporting agencies. If World Acceptance Corporation can not provide competent evidence supporting the charge-off status, payment history, balance, and derogatory reporting, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that World Acceptance Corporation conduct a thorough investigation and provide complete documentation supporting the accuracy of the account history, payment history, charge-off status, and balance being reported. If the information can not be fully validated and verified, I request correction or deletion of any inaccurate, incomplete, misleading, or unverifiable information from all consumer reporting agencies. I further request written confirmation of the results of the investigation and copies of all records relied upon to verify the account.

Company response to consumer: Closed with explanation