Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20847963
Consumer Disputes Incorrect Account Status on Credit Report
Complaint Overview
Complaint ID: 20847963
Company: American Credit Acceptance, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Wisconsin
ZIP Code: 53218
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as this appears to be a factual dispute about account status rather than a systemic issue or fraud.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 20847963 was filed against American Credit Acceptance, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A Wisconsin consumer is disputing incorrect account status information on their credit report with American Credit Acceptance, LLC. The complaint was received on April 1, 2026 from Wisconsin. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information with the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to investigate disputes regarding the accuracy of credit report data.
Regulatory Insight
This case highlights the importance of accurate reporting of account status by lenders and the FCRA's dispute resolution process.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Wisconsin, consumers have rights under state and federal law to ensure the accuracy of their credit information.
Industry Comparison
Disputes over incorrect account status are common in the credit reporting industry, often stemming from reporting errors or misinterpretations.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20847963 about?
CFPB complaint 20847963 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against American Credit Acceptance, LLC on April 1, 2026.
Which company is complaint 20847963 filed against?
Complaint 20847963 was filed against American Credit Acceptance, LLC. You can view all complaints against this company on their profile page at /company/american-credit-acceptance-llc.
What was the company's response to complaint 20847963?
American Credit Acceptance, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20847963 filed?
Complaint 20847963 was received by the CFPB on April 1, 2026. It was sent to American Credit Acceptance, LLC on April 1, 2026.
What state was complaint 20847963 filed from?
Complaint 20847963 was filed from Wisconsin. You can view all complaints from this state at /state/WI.
Was the consumer satisfied with the resolution of complaint 20847963?
Dispute information is not available for complaint 20847963.
What product category is complaint 20847963 about?
Complaint 20847963 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 20847963 submitted?
Complaint 20847963 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20847963?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to investigate disputes regarding the accuracy of credit report data. This relates to a Credit reporting or other personal consumer reports complaint against American Credit Acceptance, LLC involving "Incorrect information on your report".
How likely is complaint 20847963 to be resolved?
Resolution likelihood: likely. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20847963?
This complaint is rated as low risk. The risk is low as this appears to be a factual dispute about account status rather than a systemic issue or fraud.
What regulatory actions apply to complaint 20847963?
This case highlights the importance of accurate reporting of account status by lenders and the FCRA's dispute resolution process. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 20847963?
Consumers should carefully review their credit reports for accuracy and dispute any incorrect information with the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20847963?
In Wisconsin, consumers have rights under state and federal law to ensure the accuracy of their credit information. This complaint was filed from Wisconsin.
How does complaint 20847963 compare to industry norms?
Disputes over incorrect account status are common in the credit reporting industry, often stemming from reporting errors or misinterpretations.
What steps should a consumer take if their dispute is not resolved satisfactorily?
If the dispute is not resolved, the consumer can file a complaint with the CFPB or consider legal action under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.