Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8651909
Complaint Overview
Complaint ID: 8651909
Company: Midwest Acceptance CORP.
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: Illinois
ZIP Code: 622XX
Date Received: 2024-03-28T12:00:00-05:00
Date Sent to Company: 2024-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Illinois FCRA Identity Theft Fraud Laws DeaXXXX MIDWEST ACCEPTANCE, I am writing to address a severe violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as Illinois identity XXXX fraud laws, particularly XXXX ILCS XXXX. It has recently come to my attention that MIDWEST ACCEPTANCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated in the FCRA, explicitly requires consumer consent for such reporting activities under Section XXXX ( a ) ( XXXX ). Furthermore, Illinois state law, specifically XXXX ILCS XXXX, underscores the seriousness of unauthorized access and misuse of personal information, particularly in cases of identity theft. I affirm unequivocally that I have not provided consent for MIDWEST ACCEPTANCE to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and a clear disregard for federal and state laws. I demand, without reservation, that MIDWEST ACCEPTANCE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Illinois identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I anticipate your urgent attention to this matter and expect that MIDWEST ACCEPTANCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. Done in good faith. XXXX XXXX
Frequently Asked Questions
What is Complaint #8651909 about?
Complaint #8651909 was filed against Midwest Acceptance CORP. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-03-28T12:00:00-05:00.
How did Midwest Acceptance CORP. 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Midwest Acceptance CORP.?
Yes, visit the Midwest Acceptance CORP. company profile at readthecomplaint.com/company/midwest-acceptance-corp 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.