Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Below is a copy and proof of the inaccurate information on my credit report, and the previous letter. Also below is a new letter requesting document that I asked for previously and still did not receive. 

PLEASE SEND OVER THE1099 C FORM As you can see in photos the report says it is a ( profit loss ), ( Charge off ), and/or ( Written off ). Which indicate that there is a 1099 C form. 

The same way you are reporting to your books, via IRS should be the same reporting on my credit report. If not, then I will be reporting to the IRS of this Fraudulent activity, Sueing for statutory damages and Sueing for violation of the FCRA, because either your lying on my report or lying to me now, if you did report the same information in your books on my report, then you owe me a 1099 C. or it can be deleted from my report, and we will not have to take things further then they should. 


( Customers have criticized American Credit Acceptance , LLC for its lack of updated notices. Many of the complainants have been caught off guard with behind payments when theyve settled dues religiously. The company has failed to issue proper notices indicating updated balances and warnings for repossessions in spite of sending due payments on time ). 


Previous complaint with Consumer laws : I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that American Credit Acceptance opened XXXX XXXX amount {$8400.00} but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.

Company response to consumer: Closed with explanation