Consumer complaint received 2025-05-02 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
This letter serves as a formal complaint and demand for deletion concerning the account reported by ACIMA Leasing, account ending in XXXX, as currently appearing on my XXXX  consumer report. 

I recently pulled a copy of my credit report and was deeply disturbed to find this account reported as derogatory and charged off, with a listed balance of {$1500.00}, and comments referencing internal collection and loss reporting. This inaccurate entry has caused emotional distress, reputational harm, and tangible financial injury. 

I. FCRA Violations and Impermissible Reporting This account is being reported in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., including but not limited to : 15 U.S.C. 1681b There is no documented permissible purpose for this reporting. I did not authorize ACIMA or XXXX, in writing or otherwise, to report this account to any consumer reporting agency. As such, this constitutes a willful violation, subject to statutory damages under 15 U.S.C. 1681n.

15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) Reporting outdated, unverifiable, and disputed debt without ongoing certification of accuracy is expressly forbidden.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) This entry falls under the FCRA 's Exclusion section, which prohibits the reporting of information arising solely from transactions or experiences between the consumer and the furnisher, unless there is explicit written authorization. No such authorization was granted. 

II. Identity Theft and Unlawful Furnishing of Data This account meets the legal definition of identity theft as outlined by the Federal Trade Commission, as I never authorized this leasing transaction nor provided written instruction to any party for such reporting. Therefore : The furnishing of this account is in direct violation of 15 U.S.C. 1681b ( a ) ( 2 ) and Georgia Code O.C.G.A. 10-1-393.8, which protect consumers from unauthorized use of their personal data and identity. 

The continued furnishing of this account without a clear, lawful contract or authorization violates my privacy rights under both state law and 5 U.S.C. 552a ( b ) ( Privacy Act of 1974 ).

Under O.C.G.A. 16-9-121, identity fraud in the state of Georgia includes the unauthorized use of personal information to open or maintain credit accounts. This furnisher and reporting bureau may be liable for misrepresenting this account as authorized or collectable.

III. CFPB Enforcement History Against ACIMA It is critical to note that the Consumer Financial Protection Bureau ( CFPB ) previously filed formal complaints and legal action against ACIMA Leasing, including a XXXX enforcement order ( CFPB Case No. XXXX ), where the bureau found that ACIMA had : Engaged in unfair, deceptive, and abusive acts and practices ( UDAAPs ) Withheld critical account information Engaged in unauthorized charges and misrepresented financing terms This establishes a documented pattern of noncompliance and unlawful conduct, and calls into question the validity and legality of the account now being reported on my file. 

IV. Request for Immediate Deletion and Relief Given the absence of permissible purpose, the lack of written authorization, and the serious legal precedents and CFPB actions against ACIMA, I hereby demand the immediate deletion of this tradeline from my XXXX  credit report. 

Further, I reserve my right to pursue remedies under : 15 U.S.C. 1681n and 1681o ( civil liability for willful or negligent noncompliance ) O.C.G.A. 10-1-393.9 ( civil remedies for credit reporting violations ) All applicable common law and equity remedies for reputational harm and financial injury. 

Account in question : XXXXXXXX XXXX XXXX  Account Type : Installment Account Type - Detail : Lease Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1500.00} No. of Months ( terms ) : 12 High Credit : {$2800.00} Credit Limit : {$0.00} Past Due : {$1500.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation