Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13827719
Complaint Overview
Complaint ID: 13827719
Company: World Acceptance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Tennessee
ZIP Code: 38111
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB Representative, I am writing to formally file a complaint against World Finance for its continued attempts to collect a debt that is legally time-barred under Tennessee law XXXX According to Tennessee XXXX XXXX XXXX, creditors and collection agencies are generally restricted from filing lawsuits to recover debts that are more than XXXX ( XXXX ) years old. Despite this, XXXX XXXX has continued to pursue collection efforts on a debt that is well beyond this statute of limitations. I believe this behavior is not only unethical but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of unfair or deceptive practices in the collection of consumer debts. By attempting to collect a time-barred debt, XXXX XXXX is XXXX and harassing me and causing unnecessary stress and concern.
Frequently Asked Questions
What is Complaint #13827719 about?
Complaint #13827719 was filed against World Acceptance Corporation regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-31T12:00:00-05:00.
How did World Acceptance Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 World Acceptance Corporation?
Yes, visit the World Acceptance Corporation company profile at readthecomplaint.com/company/world-acceptance-corporation 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.