Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Subject : Formal Dispute of Debt and Credit Reporting Demand for Deletion To Whom It May Concern, I am writing to formally dispute the debt that your company is reporting on my consumer credit report regarding a XXXX XXXX XXXXXXXX, originally financed through XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), you are required to provide complete and accurate validation of this debt, including proof that ACA has the legal authority to collect and report it.

Legal Violations & Supporting Case Law Failure to Validate Debt Assignment Possible FCRA Violation Under FCRA 15 U.S.C. 1681s-2, a creditor or debt collector must report accurate information to the credit bureaus. 

If ACA can not prove a clear and uninterrupted chain of assignment from XXXX to XXXXCA, then this debt is not legally enforceable and must be removed from my credit report.

ACAs History of Legal Issues & Settlements ACA has faced multiple lawsuits over improper auto loan collections and inaccurate credit reporting. 

In Consumer Financial Protection Bureau v. American Credit Acceptance, ACA settled claims involving deceptive loan practices and unlawful collection efforts.

If ACA engaged in similar unlawful collection practices in my case, this debt should be considered invalid and removed immediately.

Permissible Purpose is NOT Transferable Clear FCRA Violation Under FCRA 15 U.S.C. 1681b, a company must have a direct and permissible purpose to access or report a consumers credit information. 

Permissible purpose is NOT transferableACA must show that I explicitly authorized them to access or report my credit.

If ACA can not provide written evidence of my authorization, then its access and reporting of this account are illegal and must be deleted from my credit report immediately.

My Formal Requests Pursuant to FCRA 15 U.S.C. 1681s-2 and FDCPA 15 U.S.C. 1692g, I request the following : Proof of Debt Assignment A full record of assignment history from XXXX to ACA, including all legally binding agreements. 

Validation of Loan Terms A complete breakdown of all charges, interest calculations, and a copy of the original contract I signed. 

Proof That ACA Has Permissible Purpose to Report the Debt If ACA can not provide explicit proof of my consent, this account must be deleted immediately from all credit bureaus. 

If ACA fails to fully validate this debt, I demand that it be removed from all credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days. 

Next Steps if ACA Does Not Comply If this issue is not resolved, I will escalate the matter by : Filing a Consumer Financial Protection Bureau ( CFPB ) complaint for improper debt collection and credit reporting violations. 

Filing a complaint with my state Attorney General and the Federal Trade Commission ( FTC ). 

Seeking legal remedies for violations of FCRA and FDCPA. 

This letter serves as formal notice under the law. I expect a response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation