Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12073850
Complaint Overview
Complaint ID: 12073850
Company: American Credit Acceptance, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Maryland
ZIP Code: 21234
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-03-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute and Demand for Removal of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing the inaccurate and wrongful reporting of the repossession of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under my credit report XXXX XXXX. This vehicle was awarded to my XXXX pursuant to a legal and binding XXXX XXXX, and he accepted full responsibility for all associated financial obligations, including this repossession. The company responsible for reporting this inaccurate information is XXXX XXXX XXXX, associated with account XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, I demand the immediate removal of this erroneous entry from my credit file. The continued reporting of this repossession under my name constitutes inaccurate and defamatory information, causing undue harm to my creditworthiness. Legal Grounds for Dispute : XXXX. Violation of FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers of credit information are required to conduct a thorough investigation when a dispute is submitted. The account in question does not belong to me post-divorce and must be removed. XXXX. Breach of Contract ( State-Specific Family Code ) The Divorce Decree is a legally binding court order, and the responsibility for this account was transferred to my ex-spouse. Holding me accountable for this debt is in direct violation of this court order. XXXX. Unfair Reporting Practices ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to maintain accurate information. Reporting a repossession that legally belongs to another individual violates this provision. XXXX. Potential Defamation and Financial Injury The continued presence of this derogatory item on my credit report is causing tangible financial harm. If this matter is not resolved immediately, I will explore all available legal remedies. Resolution Demanded : Immediate deletion of this repossession entry from my credit report. Written confirmation that this item has been removed. Cease all further reporting of this item under my name. Failure to comply within 30 days of receipt of this dispute will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal claims for damages. Enclosed are copies of my XXXX XXXX and any supporting documentation to substantiate my claim. I expect immediate rectification and will not hesitate to escalate this matter if my rights under federal and state law continue to be violated. I anticipate your prompt response and resolution of this matter. Please provide written confirmation of the deletion of this account from my credit report no later than [ 30 days from receipt of this letter ]. Sincerely, XXXX XXXX Enclosures : Copy of Divorce Decree, Supporting Documentation Drivers License, Social Security Card.
Frequently Asked Questions
What is Complaint #12073850 about?
Complaint #12073850 was filed against American Credit Acceptance, LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-11T12:00:00-05:00.
How did American Credit Acceptance, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against American Credit Acceptance, LLC?
Yes, visit the American Credit Acceptance, LLC company profile at readthecomplaint.com/company/american-credit-acceptance-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.