Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acima Leasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Alleged Account Number : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dear Sir or Madam : I am writing in response to your letter dated XX/XX/year>, regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Your response fails to address the substantive issues raised in my original dispute and appears to be an attempt to circumvent the CFPB 's oversight. I reaffirm my original dispute and demand for the immediate removal of all information related to this alleged account from my credit reports.

Continued Dispute and Demand for Removal 1. Failure to Validate Debt : Your inability to locate an account matching my information further supports my contention that this debt is not valid or verifiable. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide validation of the debt. Your failure to do so necessitates the immediate cessation of all collection activities and credit reporting. 

2. Violation of FCRA : Your continued reporting of this unverified debt likely constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inability to locate my account in your system strongly suggests that the information you are reporting is inaccurate. 

3. Potential FDCPA Violations : Your request for me to contact you directly, rather than addressing the issues through the CFPB complaint process, may be construed as an attempt to hinder my right to dispute the debt, potentially violating FDCPA 1692e ( 10 ) which prohibits the use of false representations or deceptive means to collect a debt. 

Legal Implications and Demands Given these ongoing issues, I demand the following : 1. Immediate removal of all information related to this alleged account from all credit reporting agencies within 5 business days of receipt of this letter.

2. Written confirmation of such removal, to be provided through the CFPB portal within 10 business days of receipt of this letter. 

XXXX. A complete explanation of why you were unable to locate my account, including details of your search process and the information used in your attempt to locate the account. 

4. Assurance that all collection activities related to this alleged debt will cease immediately.

Be advised that failure to comply with these demands may result in : 1. Further complaints to the CFPB and other relevant regulatory bodies. 
XXXX. Potential legal action for violations of the FDCPA, FCRA, and other applicable consumer protection laws. 

Communication Preference While I acknowledge your request for direct contact, I prefer to maintain all communication regarding this matter through the CFPB portal for the following reasons : 1. To ensure a complete and accurate record of all interactions.

2. To maintain the oversight of the CFPB in this dispute process.

3. To protect my rights under federal consumer protection laws. 

I am not refusing to communicate ; rather, I am insisting on a documented, regulated channel of communication that protects both parties. 

Conclusion Your failure to validate this debt, coupled with your admission that you can not locate an account matching my information, leaves you with no legal basis to continue reporting this alleged debt or pursuing collection activities. I expect your full compliance with the demands outlined in this letter. 

This communication is an attempt to resolve this matter amicably. However, I am prepared to escalate this issue through all available legal channels if necessary. I advise you to consult with your legal counsel regarding the serious implications of your actions and inactions in this matter. 

I look forward to your prompt response and resolution of this issue through the CFPB portal. 

Sincerely, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation