Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Dear CFPB Consumer Financial Protection Bureau Re : AMERICAN CREDIT ACCEPTAN Continued from Case Number : XXXX Account Name : AMERICAN CREDIT ACCEPTAN Account Number : XXXX Balance : {$15000.00} Date Opened : XX/XX/XXXX American Credit Acceptan is in direct violation of Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies. Direct Violation of the FCRA. Direct Cause for Lawsuit. Errors : In the customer transaction history file that American Credit sent me there are obvious
contradictions, I list and mention them below.

1-Why does American Credit in the transaction history that you sent me, reflect in the past due data the date of XX/XX/XXXX repeatedly, ( twenty three ) times they report the same date for the past due data, why?, it is absurd, are you telling me that the principal balance was {$34000.00} for XX/XX/XXXX? That is false, and then the balance for XX/XX/XXXX almost a month later was {$19000.00}? It doesn't make sense, are you reporting that from XX/XX/XXXX to XX/XX/XXXX I made a payment of XXXX dollars? Why they are reporting false days and false information?, I attach the evidence of a report that you yourself sent me. Fix this or delete the entire account. 

2-American Credit Acceptan reports that the balance currently is {$15000.00}, that is completely false, I attach as proof the original AMORTIZATION SCHEDULED and the original contract where I show that in the PAY PERIOD # XXXX as of XX/XX/XXXX I must have a balance of {$12000.00}. Do they intend to charge me more? This information is from the original contract that I attach as proof, is this legal? It is absolutely fraudulent, I demand that they fix the outstanding balance in XXXX, XXXX and XXXX or delete the entire account. 
( Please review page 2 and 3 of the original contract sent ) 3-American Credit reports in the Customer Transactio History that the information shown is From XX/XX/XXXX To XX/XX/XXXX, how is it possible that it reports data from XX/XX/XXXX? It's ridiculous, it's full of false and misleading information, fix this or delete the entire account. 

4-American reports that the Recent payment is {$1000.00} as of XX/XX/XXXX that is false and inaccurate, in the statement that American sent me it states that the last payment made was {$700.00} for XX/XX/XXXX and on the date of XX/XX/XXXX the payment amount was also {$700.00} dollars too, and the date of XX/XX/XXXX does not match the date reported in the statement that American sent me, the days do not match for the month of XXXX. 
why do you report misleading and inaccurate information even after reporting the errors? Fix this in XXXX, XXXX and XXXX or delete the entire account.

( Please review page 2 and 3 of the original contract sent ) 5-Why if you have all that information and the balances in the Customer Transaction History that you sent me? Don't you report all that information and all those months in the Balance Histories of each credit bureau? It is your duty to report it, as required by law, all the balance Histories of each month, each scheduled payment of each month and how much I have paid each month, since the account was opened until now?,
Complete this information in XXXX, XXXX and XXXX or delete the entire account.

6-Under the payment history you report information in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, Why is only the month of XXXX, XXXX and XXXX reported in the Balance Histories?, Where is the balance histories for the missing months?, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX?, What is the balance in each of these months?, where is the Scheduled Payment for each months?, how much did I pay each month?, Why American Credit NOT report that information?, is it incomplete information?, report this information or delete the entire account. Fix this in XXXX, XXXX and XXXX or delete the entire account. 

7-You claim that this account was opened on XX/XX/XXXX, that is false and misleading information. I have evidence that I attach in this letter that proves that this account was opened on XX/XX/XXXX, are they reporting false information?, Fix this in XXXX, XXXX and XXXX or delete the entire account. 

8-They claim that the monthly payment is {$75000.00}, that is incorrect and inconsistent, I have proof of the original contract that proves that my monthly payment is {$70000.00} dollars, is it correct to report inaccurate information?, Fix this in XXXX XXXX and XXXX or delete the entire account. 

It is my right that if American is going to report to the three credit bureaus, the information must be accurate and verified. I demand that each of the errors mentioned be corrected or the account be completely deleted. American Crefit must comply with the FCRA and REPORT correctly, as required by law. 



Att : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation