Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
RE : FORMAL DEMAND FOR DESCRIPTION OF PROCEDURE FCRA 611 ( a ) ( 7 ) Consumer : XXXX XXXX ( formerly XXXX XXXX XXXX ) XXXX : XXXX Date of Birth : XX/XX/XXXXXXXX XXXX  File Identification Number : XXXX Reference : Your correspondence dated XX/XX/XXXX To Whom It May Concern : This letter constitutes a formal demand pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ) ( FCRA 611 ( a ) ( 7 ) ). I am writing in response to your communication dated XX/XX/XXXX, which states a generic result of " INFORMATION UPDATED '' without providing any substantive detail regarding the nature, scope, or conclusion of your purported reinvestigation of the severely derogatory items listed below. 

The FCRA mandates that you conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Your vague and conclusory notice fails to satisfy your statutory obligations. 

I. Disputed Items Requiring a Description of Procedure The following items, which were the subject of my prior dispute ( XXXX ), require a complete description of the reinvestigation procedure : AMERICAN CREDIT ACCEPTANCE ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Disputed accuracy of " REDEEMED REPOSSESSION '' remark. 

XXXX ( Account # ... XXXX ) : Disputed accuracy of entire " Charge Off '' tradeline. 

XXXX ( XXXX XXXX ) ( Account XXXX XXXX XXXX  ) : Disputed accuracy of XXXX late payment statuses. 

XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Disputed balance and utilization reporting. 

XXXX XXXX XXXX : Disputed validity of the collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Disputed account status remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Disputed account status and history. 

Furthermore, I dispute the commingling of information under my former legal name, " XXXX XXXX XXXX, '' with my current legal identity, " XXXX XXXX, '' which constitutes a " mixed file '' and is a foundational reporting inaccuracy. 

XXXX. Statutory Demand for Information Pursuant to FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ), I hereby demand a written description of the procedure used to determine the accuracy and completeness of the information for each of the above-listed items. This description must include, at a minimum : The specific nature and scope of the reinvestigation conducted for each item. 

The business name, address, and ( if reasonably available ) telephone number of each furnisher of information contacted during the reinvestigation for each item. 

A detailed summary of the communication or documentation received from each furnisher that formed the basis for your determination. 

An explanation of how the procedure accounted for my legal name change and the potential for a mixed file. 

XXXX. Legal Consequences of Non-Compliance Your failure to provide a complete description of the procedure used, as required by 611 ( a ) ( 7 ), within XXXX ( XXXX ) days of receiving this request will be construed as an admission that no reasonable reinvestigation was conducted. This constitutes a willful violation of the FCRA under 15 U.S.C. 1681n. 

I reserve all rights to seek legal remedies for your non-compliance, including statutory damages, punitive damages, and costs, as provided for by the FCRA.

Company response to consumer: Closed with explanation