Consumer complaint received 2024-12-12 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: World Acceptance Corporation
State: GA

Complaint narrative:
ATTN : THIS IS NOT A COPIED DISPUTE NOR A FRIVOLOUS MATTER.. 
[ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] To : XXXX XXXX XXXX XXXX 
Attn : Legal Department XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to Litigate Violations of FCRA, FTC Guidelines, and Constitutional Rights Dear XXXX Legal Department, I am writing to formally notify XXXX of my intent to litigate due to its continued violations of my rights under the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) guidelines, and my constitutional right to due process. XXXX repeated failure to comply with my requests for accurate reporting and proper dispute resolution constitutes gross negligence, willful misconduct, and an egregious disregard for my rights as a consumer. 

Despite my providing comprehensive, valid, and reliable documentation to support my requests for correction of personal information and disputes regarding inaccuracies on my credit report, XXXX has failed to take appropriate corrective action. Specifically, I have supplied the following documents : Georgia state identification Georgia residential lease agreement Long- and short-form birth certificates United States Postal Service change-of-address confirmation reflecting my current address Marriage license Documentation verifying my legal name, XXXXXXXX XXXX XXXXXXXX Violation 1 : Failure to Update and Correct Personal Information XXXX has continuously ignored my submissions of the above-referenced documentation and refused to update my personal information, even though I have satisfied all verification requirements under the FCRA.

Violation 2 : Improper Handling of Disputes In violation of the FCRA, XXXX has marked my disputes as verified or updated without conducting the required reasonable investigations or providing the requested methods of verification. Additionally : I have repeatedly requested, as is my right under FCRA, the contracts or signatures supporting specific trade lines, which XXXX has failed to provide. 
I have sought clarification on the legal justification allowing WORLD ACCEPTANCE to report its subsidiarys account under its name, yet no explanation has been given. 

Violation XXXX : Malicious Reporting and Frivolous Demands XXXX has imposed excessive and frivolous demands for identity verification, despite having been provided with ample documentation. Moreover, XXXX has misrepresented my credit file status. Most recently, through the CFPB portal, XXXX denied my constitutional rights by falsely alleging that no credit file exists under my informationthis, despite the fact that I can access XXXX services through my account ( XXXX ) and that other credit reporting agencies ( XXXX and XXXX ) have already complied with my requests. 

Equifaxs repeated negligence and malicious actions have caused me considerable harm, including but not limited to : Damage to my credit standing due to the resubmission of outdated and inaccurate information Emotional distress caused by XXXX blatant disregard for my rights Loss of time and resources in attempting to resolve these issues Legal Basis for Action XXXX actions constitute violations of the FCRA ( 15 U.S.C. 1681 et seq. ) and FTC guidelines regarding credit reporting accuracy and dispute resolution. Furthermore, its repeated denial of my requests and frivolous demands for documentation infringe on my constitutional right to due process. 

Demand for Resolution To avoid litigation, I demand that XXXX take the following actions within 15 days of receipt of this letter : XXXX. Correct all inaccuracies in my credit report and update my personal information as provided. 
XXXX. Provide the method of verification and supporting documentation for all disputed trade lines, including contracts or signatures related to the accounts in question. 
XXXX. Cease and desist from any further frivolous demands for identity verification. 
XXXX. Provide a written explanation for XXXX refusal to correct or investigate disputes properly. 

Failure to address these demands within the specified timeframe will result in my filing a lawsuit against XXXX for violations of the FCRA, FTC guidelines, and my constitutional rights. Additionally, I will seek damages, legal fees, and other remedies as permitted by law. 

Please treat this letter as formal notice of my intent to pursue legal action. I look forward to your prompt response and immediate resolution of these matters. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : " Due process violations by the creditor empower me to counterclaim for any harm suffered due to their actions. '' XXXX XXXX XXXX XXXX XXXX : " Inaccurate reporting violates my rights and justifies my demand FDCPA 1692g : " The creditor 's inability to provide written notice invalidates their claim FCRA 609 ( a ) : " Without proper verification of the reporting entity, I dispute the legitimacy of the debt and demand recourse. '' FCRA 611 ( a ) : " Failure to validate the debt removes any obligation on my part, allowing for a complete recoup of funds. ''

Company response to consumer: Closed with explanation