Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20852156
Incorrect Identity Information on Credit Report
Complaint Overview
Complaint ID: 20852156
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: Information belongs to someone else
State: Texas
ZIP Code: 77095
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: medium
Incorrectly reported information can negatively impact a consumer's credit score and ability to obtain credit, potentially leading to financial hardship.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 20852156 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 consumer reported incorrect information on their credit report, specifically that information belonging to someone else was associated with their account by American Credit Acceptance, LLC. The complaint was received on April 1, 2026 from Texas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with both the credit bureau and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information investigate disputes regarding the accuracy of credit report data.
Regulatory Insight
Furnishers must ensure the information they report is accurate and investigate disputes, as failure to do so can result in penalties.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Texas, consumers have rights under state law to dispute inaccurate credit information, in addition to federal protections.
Industry Comparison
This issue is common in the credit reporting industry, where errors in identity matching or data aggregation can lead to mixed-up reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20852156 about?
CFPB complaint 20852156 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against American Credit Acceptance, LLC on April 1, 2026.
Which company is complaint 20852156 filed against?
Complaint 20852156 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 20852156?
American Credit Acceptance, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20852156 filed?
Complaint 20852156 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 20852156 filed from?
Complaint 20852156 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20852156?
Dispute information is not available for complaint 20852156.
What product category is complaint 20852156 about?
Complaint 20852156 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 20852156 submitted?
Complaint 20852156 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 20852156?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies and furnishers of information 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 20852156 to be resolved?
Resolution likelihood: mixed. 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 20852156?
This complaint is rated as medium risk. Incorrectly reported information can negatively impact a consumer's credit score and ability to obtain credit, potentially leading to financial hardship.
What regulatory actions apply to complaint 20852156?
Furnishers must ensure the information they report is accurate and investigate disputes, as failure to do so can result in penalties. 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 20852156?
Consumers should regularly review their credit reports for accuracy and dispute any errors promptly with both the credit bureau and the furnisher of the information.
Are there state-specific protections for complaint 20852156?
In Texas, consumers have rights under state law to dispute inaccurate credit information, in addition to federal protections. This complaint was filed from Texas.
How does complaint 20852156 compare to industry norms?
This issue is common in the credit reporting industry, where errors in identity matching or data aggregation can lead to mixed-up reports.
What steps should a consumer take if they discover someone else's information on their credit report?
The consumer should immediately dispute the information with the credit reporting agency and the company that provided the information (the furnisher). They should also consider filing a police report if identity theft is suspected.
What is the responsibility of American Credit Acceptance, LLC in this situation?
American Credit Acceptance, LLC, as the furnisher of the information, is required by the FCRA to investigate the consumer's dispute and correct any inaccuracies found on the credit report.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.