Vehicle loan or lease -- Improper use of your report -- Complaint #14904797
Complaint Overview
Complaint ID: 14904797
Company: Acima Credit, LLC
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Georgia
ZIP Code: 30093
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact XXXX parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and sed out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collection Practices Act 15USC 1692g violations XXXX. Fair Credit Reporting Act 15 USC Fair Debt Collection Practices Act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ] Thank you.
Frequently Asked Questions
What is Complaint #14904797 about?
Complaint #14904797 was filed against Acima Credit, LLC regarding Vehicle loan or lease specifically about Improper use of your report. It was received by the CFPB on 2025-07-26T12:00:00-05:00.
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 (Vehicle loan or lease) 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.