Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20921264
Consumer Disputes Inaccurate Credit Report Information with American Credit Acceptance
Complaint Overview
Complaint ID: 20921264
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 information incorrect
State: New York
ZIP Code: 14020
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and may require significant effort to correct.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account information
AI Analysis
CFPB complaint 20921264 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 in New York is disputing incorrect account information on their credit report with American Credit Acceptance, LLC, and the complaint is currently in progress. The complaint was received on April 3, 2026 from New York. 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 errors promptly with both the credit reporting agency and the creditor.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit report information and provides consumers with rights to dispute inaccuracies.
Regulatory Insight
Credit reporting agencies and furnishers have a legal obligation to investigate disputes and correct any inaccurate information found on a consumer's credit report.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have specific rights under state law in addition to federal protections regarding credit reporting disputes.
Industry Comparison
Disputes over incorrect account information are common in the credit reporting industry, often requiring investigation by both creditors and credit bureaus.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20921264 about?
CFPB complaint 20921264 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against American Credit Acceptance, LLC on April 3, 2026.
Which company is complaint 20921264 filed against?
Complaint 20921264 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 20921264?
American Credit Acceptance, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20921264 filed?
Complaint 20921264 was received by the CFPB on April 3, 2026. It was sent to American Credit Acceptance, LLC on April 3, 2026.
What state was complaint 20921264 filed from?
Complaint 20921264 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 20921264?
Dispute information is not available for complaint 20921264.
What product category is complaint 20921264 about?
Complaint 20921264 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 20921264 submitted?
Complaint 20921264 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 20921264?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit report information and provides consumers with rights to dispute inaccuracies. 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 20921264 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 20921264?
This complaint is rated as medium risk. Incorrect information on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing, and may require significant effort to correct.
What regulatory actions apply to complaint 20921264?
Credit reporting agencies and furnishers have a legal obligation to investigate disputes and correct any inaccurate information found on a consumer's credit report. 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 20921264?
Consumers should carefully review their credit reports for accuracy and dispute any errors promptly with both the credit reporting agency and the creditor.
Are there state-specific protections for complaint 20921264?
In New York, consumers have specific rights under state law in addition to federal protections regarding credit reporting disputes. This complaint was filed from New York.
How does complaint 20921264 compare to industry norms?
Disputes over incorrect account information are common in the credit reporting industry, often requiring investigation by both creditors and credit bureaus.
What steps should a consumer take if American Credit Acceptance, LLC does not resolve the incorrect account information dispute?
If the dispute is not resolved satisfactorily, the consumer can escalate the issue by filing a complaint with the CFPB or their state Attorney General, and may consider seeking legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.