Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9093888
Complaint Overview
Complaint ID: 9093888
Company: American Credit Acceptance, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Missouri
ZIP Code: 63135
Date Received: 2024-05-24T12:00:00-05:00
Date Sent to Company: 2024-05-24T12:00:00-05:00
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 Federal and XXXX XXXX Missouri Laws Dear AMER CR ACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the XXXX XXXX Missouri identity theft fraud laws. It has come to my attention that CREDIT ACCEPTANCE CORP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, the laws of XXXX XXXX Missouri emphasize the necessity of consumer consent for credit reporting. These laws underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for CREDIT ACCEPTANCE CORP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and displaying a disregard for federal and state laws. I demand, with utmost certainty, that CREDIT ACCEPTANCE CORP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and the identity theft fraud laws of XXXX XXXX Missouri. Failure to comply within the stipulated 30-day timeframe will be viewed as 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 laws. 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 immediate attention to this matter and expect that CREDIT ACCEPTANCE CORP will promptly rectify these violations, respecting my rights under federal and state laws. Done in good faith, XXXX XXXX
Frequently Asked Questions
What is Complaint #9093888 about?
Complaint #9093888 was filed against American Credit Acceptance, LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-05-24T12:00:00-05:00.
How did American Credit Acceptance, 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against American Credit Acceptance, LLC?
Yes, visit the American Credit Acceptance, LLC company profile at readthecomplaint.com/company/american-credit-acceptance-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.