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 — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Dear CFPB 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} Date Opened : XX/XX/XXXX Dear CFPB I attach evidence where I show that Acima intentionally lies, I attach in the evidence my complete declaration of XX/XX/XXXX where I show that I paid Acima an amount of {$430.00} in XXXX payments of {$100.00} that in total make {$430.00}. for the entire month of XX/XX/XXXX It was NOT {$520.00} as Acima confirms and reports over and over again in its evidence sent to me. Here is the evidence where I deny that I made a final payment of {$520.00} in the month of XX/XX/XXXX. 
I indicate in the declaration with red lines the XXXX payments made to Acima in XX/XX/XXXX, what do you have to say about this? Why do you report false information even after warning you about it? Am I a victim of bias? Is it because I am XXXX? Or is it your inability to correct obvious errors? Correct all the information at once or delete the entire account. 

Acima is still not responding, why don't you report the Balance Histories? 

It is essential that the History balance be reported for each account. That space should be filled in, not deleted. Why are you not reporting a balance for each month? Why are you not reporting the scheduled payment each month? Why are you not reporting how much I paid each month? 

If Acima can not correct these errors due to their limited inability to do so, then do their job according to the FCRA and delete the entire account. 

Acima continues to send me silly and absurd forms that demonstrate their inability and incompetence to correct the errors despite multiple attempts to correct the inaccurate and missing information. 

WHERE IS THE BALANCE HISTORIES? 
- Please answer my question, WHERE IS THE BALANCE HISTORY? Why does Acima never answer this question? Their inability has been damaging my report for years and they continue to lie beyond the point of being tedious. If Acima can not report the Balance History, is it because they do not have all the complete information? The law requires it, who are you to not comply? You make fun of the law? 

You have crossed the line of illegality and therefore face the consequences. The ACIMA LEASING team does a terrible job of investigation, they lie their clients with false information, they are a total disaster when it comes to correcting errors that they are not able to admit. 

WHY DOES ACIMA NOT SHOW ME THE ORIGINAL CONTRACT? Where they show that the initial loan was supposedly {$1500.00} as Acima claims. They only show incomplete information in the evidence they sent me. 
SHOW ME THE ORIGINAL CONTRACT WHERE IT IS REFLECTED THAT THE INITIAL LOAN WAS {$1500.00} AND NOT {$700.00} AS I CLAIMED IT WAS. 
WHY DON'T YOU SEND ME A COPY OF THE ORIGINAL CONTRACT? I AM IN MY RIGHT TO REQUEST IT AND HAVE IT GIVEN TO ME. 
Do your job well and send me the copy of the original contract. 
Make my Acima account correct and verified or delete the entire account, do your job and be precise. 

REPORT THE BALANCE HISTORIES, and if not, explain why Acima doesn't do it? 
Correctly report the Last Payment Made, that space is to be filled out, that is what the law mandates. 
Why do they deceive the consumer? Acima is doing confusing and deceptive practices without premeditation, sooner or later justice will be done. 
Make my XXXX account accurate and verified or delete the entire account, I feel that I am being a victim of prejudice, bad practice of my credit report, and poor management by the Acima workers in charge of this department in fixing this situation. 

DO NOT SEND ME MORE FALSE DOCUMENTS AND MAKE THE ACCOUNT YOU ARE REPORTING TRUTHFUL AND ACCURATE OR ELIMINATE THE ENTIRE ACCOUNT. 

Att : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation