Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Unverified Debt Reporting, FDCPA Violations & Failure to Validate Debt To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This complaint concerns an alleged debt that the agency is attempting to collect and is reporting to the credit bureaus without providing legally required validation. 
On XX/XX/year> I received a collection notice and/or discovered that this debt was being reported on my credit file. I immediately disputed the validity of this alleged debt and requested full validation pursuant to FDCPA 809 ( 15 U.S.C. 1692g ). Under federal law, the collection agency is required to provide complete verification and cease all collection activity until validation is provided. 
Despite this requirement, the agency has continued collection activity and/or has continued furnishing the debt to the credit bureaus without supplying proper validation. To date, the agency has failed to provide : XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. An itemized account history detailing how the balance was calculated. 
XXXX. Documentation establishing their legal authority or assignment to collect the debt. 
XXXX. Proof of ownership or chain of title for the alleged debt. 
XXXX. Verification from the original creditor confirming the debts accuracy. 
XXXX. Evidence that required notices, including the XXXX validation notice, were sent to me. 
The agencys refusal or inability to validate this alleged debt violates : - FDCPA 809 ( b ) Failure to cease collection activity until validation is provided - FCRA 623 ( a ) Furnishing inaccurate or unverifiable information - FCRA 611 Failure to reinvestigate disputed information - FCRA 602 ( A ) Obligation to maintain maximum possible accuracy in credit reporting Additionally, the continued reporting of this unverifiable debt has caused significant harm, including : - Denial of credit - Negative impact on my credit score - Emotional distress - Loss of financial opportunities I am requesting that the CFPB investigate this matter and take all appropriate actions to enforce compliance with federal law. I am also requesting that the collection agency : - Immediately cease all collection efforts - Remove the unverifiable account from all credit bureaus - Provide written confirmation of deletion - Provide all legally required documentation if they intend to continue collecting I certify that the information provided in this complaint is true and accurate to the best of my knowledge. I am requesting the CFPBs assistance in resolving this matter and ensuring that my rights as a consumer are fully protected. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX XXXX Date XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation