Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: CT

Complaint narrative:
Complaint and Request for Enforcement Action CFPB To : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Email to : XXXX Date : XX/XX/XXXX From : XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX SSN ( Last XXXX ) : XXXX DOB : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX | Phone : ( XXXX ) XXXX SSN ( Last XXXX ) : XXXX Subject : Formal Complaint Unlawful Furnishing and Retention of Consumer Credit Information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Dear CFPB Enforcement Division, We hereby submit this formal complaint pursuant to 15 U.S.C. 1681s ( a ) and 1681n-o, regarding ongoing and unauthorized credit reporting by American Credit Acceptance and XXXX XXXX XXXX as reflected in our consumer files maintained by XXXX, XXXX, and XXXX. 

Despite verified written disputes served upon each bureau on XX/XX/XXXX, these entities continue to report adverse or derogatory information without providing lawful validation or documentary consent. Both accounts remain inaccurate and unverifiable in violation of the Fair Credit Reporting Act. 

Legal Basis XXXX. 15 U.S.C. 1681b ( a ) ( 2 ) & 1681b ( c ) : No consumer-reporting agency may furnish a report without the consumers written authorization or a permissible purpose defined by statute. Neither of us granted such written consent to American Credit Acceptance or XXXX XXXX XXXX  to obtain or furnish our personal credit data. 
XXXX. 15 U.S.C. 1681i : Upon dispute, a consumer reporting agency must conduct a reasonable reinvestigation and delete any unverifiable item within 30 days. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishers are prohibited from reporting information they knowor should knowto be inaccurate or without proper authorization. 
XXXX. 15 U.S.C. 1681n-o : Failure to comply constitutes willful and negligent violations subject to civil liability. 

Facts and Chronology On XX/XX/XXXX and XX/XX/XXXX, written disputes were submitted to all three credit bureaus. 
To date, none have provided wet-ink-signed contracts, written authorization, or assignment of debt from either creditor. 
The American Credit Acceptance account relates to a repossessed XXXX XXXX XXXX. No active obligation remains, yet the tradeline persists as derogatory. 
The XXXX XXXX XXXX tradeline remains on XXXX XXXX credit file though the account was closed and consent withdrawn. 

These omissions constitute violations of 15 U.S.C. 1681b, 1681i, 1681s-2, and applicable FTC Regulations ( 16 C.F.R. 600 et seq. ).

* * Relief Requested * * XXXX. CFPB investigate the continued furnishing of unauthorized or unverifiable information by American Credit Acceptance and XXXX XXXX XXXX. 

XXXX. Direct XXXX XXXX and XXXX  to delete the disputed tradelines from the consumer files of XXXX XXXX and XXXX XXXX. 

XXXX. Confirm written findings of compliance and provide notice of corrective action within XXXX days. 

Certification We certify that the information contained herein is true and correct to the best of our knowledge and belief, and that this complaint is submitted in good faith pursuant to federal consumer-protection law. 

Respectfully submitted, : XXXX XXXX Authorized Representative | Estate of XXXX XXXX Re El Email : XXXX | Phone : ( XXXX ) XXXX Executed : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation