Debt collection -- Threatened to contact someone or share information improperly -- Complaint #14535101
Complaint Overview
Complaint ID: 14535101
Company: Acima Credit, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted you after you asked them to stop
State: Texas
ZIP Code: 776XX
Date Received: 2025-07-08T12:00:00-05:00
Date Sent to Company: 2025-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I just noticed that your company is reporting the following account listed below on my credit report. Account number : XXXX, Please validate this debt. Please investigate and get back to me Fast. This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof of how your company assessed the outstanding debt. 5. Payment history from the original creditor. 6. Name and address from the original creditor. 7. Copy of the original contract bearing my signature. 8. Chain of title on this debt. 9. Proof that you can collect this debt from me. 10.Do you own or is this debt assigned? 11.Copies of all letters sent to me from you and the original creditor regarding this debt. 12.How much did you buy the debt for? 13.When was the last date a payment was made on this debt? 14.What fees/interest was tacked onto the debt? 15.How were the fees determined? Thank you for your time and cooperation.
Frequently Asked Questions
What is Complaint #14535101 about?
Complaint #14535101 was filed against Acima Credit, LLC regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2025-07-08T12:00:00-05:00.
How did Acima Credit, 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Acima Credit, LLC?
Yes, visit the Acima Credit, LLC company profile at readthecomplaint.com/company/acima-credit-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.