Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, SC XXXX Subject : Dispute of Unauthorized Credit Inquiry and Demand for Removal and Compensation Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry made by AMERICAN CREDIT ACCEPTANCE on XXXX XXXX XXXX report on XX/XX/XXXX and XX/XX/XXXX. This inquiry was made without my permission and without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ). 

Background of the Dispute : XXXX. Unauthorized Inquiry : On XX/XX/XXXX and XXXX, AMERICAN CREDIT ACCEPTANCE made a hard inquiry on my XXXX credit report for an auto loan application. I did not authorize this inquiry, nor did I initiate any transaction with AMERICAN CREDIT ACCEPTANCE. 
XXXX. No Permissible Purpose : I have never applied for an auto loan with AMERICAN CREDIT ACCEPTANCE, nor do I have any account or relationship with them. Therefore, AMERICAN CREDIT ACCEPTANCE had no permissible purpose to access my credit report. 
XXXX. Violation of FCRA : By accessing my credit report without my consent or a permissible purpose, AMERICAN CREDIT ACCEPTANCE has violated the FCRA, specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), which prohibits obtaining a consumer report without a valid reason.

Previous Correspondence : I have previously contacted AMERICAN CREDIT ACCEPTANCE regarding this matter, and your office has repeatedly claimed that the inquiry was authorized based on information provided by XXXX XXXXXXXX XXXX XXXX XXXX However, I have never authorized any credit inquiry with AMERICAN CREDIT ACCEPTANCE, and I have no record of initiating any transaction with them. 

Demand for Resolution : 1. Removal of Unauthorized Inquiry : I demand that AMERICAN CREDIT ACCEPTANCE immediately remove the unauthorized inquiry from my XXXX credit report. 
2. Compensation for FCRA Violation : Pursuant to 15 U.S.C. 1681n ( a ), I am entitled to statutory damages of {$1000.00} for the willful violation of the FCRA. I am willing to settle this matter for {$1000.00} for the willful violation of the FCRA. I am willing to settle this matter for {$1000.00} in exchange for the removal of the inquiry.

3. No Admission of Wrongdoing : If AMERICAN CREDIT ACCEPTANCE agrees to remove the inquiry and provide the {$1000.00} settlement, I am willing to sign an agreement stating that AMERICAN CREDIT ACCEPTANCE and its client do not have to admit to any wrongdoing.

Litigation and Actual Damages : If AMERICAN CREDIT ACCEPTANCE fails to resolve this matter within 10 calendar days of receiving this letter, I will have no choice but to escalate this matter further. This will include : 1. Pursuing Legal Action : I will pursue legal action against AMERICAN CREDIT ACCEPTANCE for willful violation of the FCRA. In addition to the statutory damages of {$1000.00}, I will seek actual damages for the harm caused by the unauthorized inquiry, including but not limited to : o Damage to my credit score o Emotional distress o Time and resources spent resolving this matter Cost of Litigation for AMERICAN CREDIT ACCEPTANCE : Litigation will not only result in significant legal fees for AMERICAN CREDIT ACCEPTANCE but will also expose the company to additional liability. Below is an itemized estimate of the costs AMERICAN CREDIT ACCEPTANCE will incur if this matter proceeds to litigation : Item Estimated Cost Statutory Damages ( FCRA 1681n ) {$1000.00} Actual Damages ( Emotional Distress, Credit Damage, etc. ) {$5000.00} $ XXXX Attorneys Fees ( FCRA allows recovery of attorneys fees ) {$10000.00} $ XXXX Court Costs {$2000.00} {$5000.00} Internal Legal and Administrative Costs {$5000.00} $ XXXX Reputational Damage Priceless Total Estimated Cost to AMERICAN CREDIT ACCEPTANCE {$23000.00} & XXXX This estimate does not include the potential for punitive damages, which a court may award if it finds that AMERICAN CREDIT ACCEPTANCE actions were particularly egregious.

Next Steps : If AMERICAN CREDIT ACCEPTANCE fails to remove the unauthorized inquiry and provide the requested compensation within 10 calendar days of receiving this letter, I will proceed with filing a complaint with the CFPB and initiating legal action.

Please send payment via certified funds to the address listed above. 

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) Supporting Documentation : XXXX. Copy of XXXX credit report showing the unauthorized inquiry by AMERICAN CREDIT ACCEPTANCE on XX/XX/XXXX and XX/XX/XXXX. 
XXXX. Previous correspondence with AMERICAN CREDIT ACCEPTANCE regarding this matter. 
XXXX. Copy of this dispute letter. 
This letter is a formal notice and demand for resolution under the Fair Credit Reporting Act. I expect a prompt response and resolution to this matter.

Company response to consumer: Closed with explanation