Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Re : Acima Continued from Case Number : XXXX Account Name : ACIMA DIGITAL FKA SIMPLE Account Number : XXXX Balance : - Original Balance : {$1500.00} Open Date : XX/XX/XXXX Acima 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. 

Acima continues to report inaccurate, false information and blatantly lies about disputes filed through the CFPB. Acima reports all disputes I have previously filed. I understand that as long as there is inaccurate, false, or misleading information, it must be disputed. There are no limits on the number of disputes I can file because that is what the law states. Or is this an attempt by Acima to limit my rights as a consumer? 

I am tired of this situation. I have tried to correct the errors that I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors in my XXXX credit report. 

Acima sent a statement that is obviously full of errors, false information and they do not fix the errors that THEY THEMSELVES report to XXXX. 
My question is, if they supposedly have all that information, why is it not reported in the XXXX Balance Histories? 

1-Why have they removed that information from the monthly balance, the scheduled payment month by month or how much I paid month by month in the XXXX report?, Please explain why it was removed. 

2-Why does Acima not report my last payment? That space is for reporting, not to leave it empty. Do your job and put the last recent payment.

3-Why does Acima not show in the document ( account statement ) that it sent, that the original balance was {$700.00}? If you are going to report information, it must be accurate and verified. The account statement should not only be yours to keep, but you should report it to XXXX in its entirety. 

4-Why are there contradictions in the account statement? You say that the original balance was XXXX but the account statement you sent does not reflect that amount. Are you reporting false information even after having been informed of the existing problem on many occasions? 

6-The numbers and data that Acima reports to XXXX do not match the account statements they sent in my name. They are clearly violating the FCRA and are not able to correct the problem. 

7-Why does the payment history only reflect 30 and 60 days late? Shouldn't they report 90, 120 and 150 days? Is this reported correctly? Is it incomplete? Fix this in XXXX or delete the entire account. 

8-Why do you have the account statement and not report it correctly in XXXX? 
I am willing to escalate this issue to the courts, I have enough evidence where I ask Acima to be able to correct the errors they report or delete the account and they continue to verify misleading, false and inaccurate information. Lying and admitting in their writings that they act in accordance with the FCRA. 

Please do not send me more forms and silly letters trying to justify obvious errors, it is my right that the account is updated with all the information that you say you have ( statement ) and that it is accurate and verified in the XXXX credit report. 

Because if you have all that information that you sent me, are you not reporting it in the XXXX BALANCE HISTORIES? 
I DEMAND THAT IT BE REPORTED immediately, it is my right and the law requires it. Provide all these months in the XXXX Balance Histories or delete the entire account. 

The statements that Acima sends me are full of false charges, deceptive interest and dishonest practices. I am willing to sue and obtain punitive damages and I have enough evidence to send to my attorney, XXXX XXXX XXXX XXXX XXXX XXXX : Alabama, XXXX995 U.S. District Court Northern and Middle Districts of Alabama U.S. Court of Appeals 11th Circuit U.S. Supreme Court of Alabama Consumer, the phone number is ( XXXX ) XXXX Last warning to Acima, they are doing a terrible job, obey the law and verify all the information they claim to have and if so, REPORT IT in the XXXX Balance Histories, Deleting the Balance Histories is a direct cause for a lawsuit. Please report all BALANCE HISTORIES TO XXXX OR DELETE THE ENTIRE ACCOUNT. 

Last warning, make my report accurate and verified or I will have no choice but to take this theft of my consumer rights to court. 

Thank you Attention : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation