Consumer complaint received 2026-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am filing this complaint against American Credit Acceptance for continued reporting of inaccurate, misleading, and inconsistent information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I previously disputed this account directly with the company and received a response dated XX/XX/year>, stating that the dispute had been resolved and that updates were submitted to the credit bureaus. Despite this, my credit reports continue to reflect inaccurate and conflicting information across XXXX, XXXX, and XXXX. American Credit Acceptance continues to report derogatory and misleading information, including account status being reported as derogatory instead of reflecting a resolved and paid account, payment status being reported as collection or charge-off rather than accurately, and comments referencing repossession, charge-off, loss, and unpaid balance despite the account being paid. Additionally, the account is reported inconsistently across all three credit bureaus. This conduct constitutes violations of the FCRA, including 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation upon notice of a dispute. Furthermore, to the extent that the consumer reporting agencies continue to publish inaccurate information, this also implicates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The continued reporting of conflicting and misleading data demonstrates a failure to comply with these statutory obligations. I made clear and specific requests for correction during my initial dispute ; however, the company failed to properly investigate and correct the account. This failure constitutes noncompliance with 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ), which requires furnishers to conduct a reasonable investigation, review all relevant information, correct inaccurate or incomplete information, and report accurate results to all consumer reporting agencies. Instead, inaccurate and harmful information continues to be reported, negatively impacting my credit profile. I have reported this issue to the company both verbally and written. Due to the continued inaccurate reporting, inconsistent reporting across credit bureaus, failure to correct disputed information after investigation, and ongoing reporting of misleading and derogatory remarks, I no longer have confidence in the accuracy or integrity of this account. Pursuant to the FCRA, I am formally demanding the immediate deletion of this account from all credit bureaus, cessation of all inaccurate and misleading reporting, and permanent removal of all derogatory remarks associated with this account. If American Credit Acceptance can not ensure complete accuracy and consistency, continued reporting is noncompliant with federal law and the account must be deleted. I respectfully request that the Consumer Financial Protection Bureau enforce my rights under the FCRA, require immediate deletion of this account from XXXX, XXXX, and XXXX, and require written confirmation that the account has been permanently removed. This account was previously disputed and marked as resolved, yet inaccurate reporting persists. This constitutes ongoing noncompliance with federal law. I am seeking enforcement of my rights and a final resolution through deletion of this account. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation