Acceptance Rentals, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/19/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30062	Web
According to O.G.C.A. TITLE 7, CHAPTER 4, ARTICLE 1 7-4-2 ( a ) ( 1 ) ( C ) ( 2 ) where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money unless the loan, advance, or forbearance to enforce the collection of any sum of money is made pursuant to another law. ( 3 ) As used in this Code section, the term " interest '' means a charge for the use of money computed over the term of the contract at the rate stated in the contract or precomputed at a stated rate on the scheduled principal balance or computed in any other way or any other form. Principal includes such charges to which the parties may agree under paragraph ( 1 ) of this subsection. Amounts paid or contracted to be paid as either an origination fee or discount points, or both, on any loan secured by an interest in real estate shall not be considered interest and shall not be taken into consideration in the calculation of interest and shall not be subject to rebate as provided in paragraph ( 1 ) of subsection ( b ) of this Code section. In addition, according to The Georgia Industrial Loan Act, Section 7-3-14 ... Maximum loan amount, period, and charges. Every licensee under this chapter may loan any sum of money not exceeding {$3000.00} for a period of 36 months and 15 days or less and may charge, contract for, collect, and receive interest and fees and may require the fulfillment of conditions on such loans as provided in this Code section : ( 1 ) INTEREST. A licensee may charge, contract for, receive, and collect interest at a rate not to exceed 10 percent per annum of the face amount of the contract, whether repayable in one single payment or repayable in monthly or other periodic installments. ( 2 ) LOAN FEE. In addition thereto, a licensee may charge, contract for, receive, or collect at the time the loan is made a fee in an amount not greater than 8 percent of the first {$600.00} of the face amount of the contract plus 4 percent of the excess. Based on the validation information provided by the creditor Acceptance Rentals , Inc., which included payment history on this account, the total payments paid to the creditor exceeded the principal amount of the loan ( {$2900.00} ), paying in full the entire principal balance, and exceeding 16 % interest per annum. In addition, the alleged signed contract provided by this creditor imposes a loan fee of 167 % of the face amount of the loan which violates the above chapters of the Georgia Code and the rules and regulations promulgated by the Commissioner pursuant to the chapters of the Georgia Industrial Loan Act. Therefore, I am not responsible for the dollar amount, debt or balance on this account being reported by this creditor to credit bureaus. This debt is false, deceptive, misleading, unconscionable, and unfair within the meaning of the Fair Debt Collection Practices Act, 15 USC 1692e, 1692f. Therefore, this creditor, Acceptance Rentals , Inc., is in violation of the above-mentioned regulations : FDCPA 15 USC 1692e, 1692f, O.G.C.A. 7-4-2 ( a ) ( 1 ) ( C ) ( 2 ), The Georgia Industrial Loan Act, Section 7-3-14, as well as the provisions of the FCRA. The creditor, Acceptance Rentals, was sent certified notification onXX/XX/XXXXfor full validation of account, in which they responded onXX/XX/XXXX, with information such as a contract and a payment history ledger showing payments. As of XX/XX/XXXX I sent the creditor another certified notification of violation of the above mentioned regulations. OnXX/XX/XXXX, XXXX was also sent a dispute and information of the violation of regulations in which removal from all credit files was requested because of illegal reporting. As of XX/XX/XXXXcreditor responded with a letter stating they will not respond any further and have continuously reported illegal debt to credit reporting agencies.
07/03/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10025	Web	Servicemember
I have been trying to reach out to Acceptance XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. I have false and inaccurate information on my credit report. Through the credit bureau XXXX and XXXXI requested that Acceptance XXXX forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by Acceptance XXXX. My payments were covered through the insurance policy. Which left me with a XXXX balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. Acceptance XXXX is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. I also contacted XXXX and XXXX to inform them that there is fraud and inaccurate information on my credit report. From the creditor, Acceptance XXXX. I requested that this account be removed from my credit report. XXXX 's and XXXX investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. I requested that the method in which XXXX and XXXX used to validate the validity of this account, be sent to me in writing. XXXX or XXXX never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. How could XXXX or XXXX verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by XXXX or XXXX.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. XXXX has not noted in the comment section of my credit report that I have disputed this account. Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding Acceptance XXXX, that is listed on my credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with this information or delete this account from my credit report. Thank you, XXXX XXXX
01/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30034	Web
the scam of XXXX days same as cash for furniture, I purchased {$1500.00} of furniture and was financed by Acceptance Rentals, an additional charge of {$3100.00} was added on to my {$1500.00} purchase a total of {$4600.00}, for XXXX mattresses, bunk bed frame, XXXX box spring, a loveseat and small sofa, that cost {$1500.00}. I contacted the lender and was told that the additional charges of {$3100.00} was for the cost of the lease agreement being maintained, and that they do not charge any fees or interest on the initial loan of {$1500.00}, and that {$62.00} of my $ XXXX monthly payment was applied towards the cost of the furniture and that the remaining {$130.00} was for the depreciation of the furniture while I have possession of the furniture. I want to know what law authorizes such predatory behavior upon low income consumers who rely on credit to afford their basic needs of living. My payment is $ XXXX monthly for XXXX months total cost is {$4600.00}, what a rip-off. I was told by the store representative that processed my application that I can pay of the {$1500.00} in XXXX days and owe nothing and the furniture belongs to me and in the event that I cant pay of in XXXX days, any monies I paid towards the {$1500.00} will be applied towards any remaining balance and that remaining balance will be spread out in the XXXX months, so I was made to believe that remaining balance from the {$1500.00} is all that I will have to pay off in XXXX months resulting in {$62.00}, not this outrageous new additional charge of {$3600.00} for some lease maintenance and the depreciation of the furniture while in my care. I am paying to own the furniture in XXXX months so why am I being charged for the cost of the depreciation of the furniture, the manager told me that in case they have to repossess the furniture for non-payment that the furniture will lose value and they cant sell the furniture to reap their losses, but they never put all this information on the lease agreement I got from the store clerk. the lender further states in the agreement that any statement made by the store personnel is not part of the agreement and that THIS AGREEMENT IS NOT AN INSTALLMENT LOAN OR A DEBT BUT MEMORIALIZES A TRUE LEASE, their agreement also states that although they do n't conduct a CREDIT CHECK BUT RESERVE THE RIGHT TO VERIFY ANY/ALL INFORMATION PROVIDED ON YOUR APPLICATION, yet the store personnel pulled my credit report and based on my credit score it determined how much money I will be loaned, the lender is in partnership with the store merchant to conduct business on their behalf to solicit customers and advise customers of the lenders guidelines and they just ripoff the poor consumers,
05/24/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30291	Web
I have no idea who Acceptance Rentals Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Acceptance Rentals Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Acceptance Rentals Inc as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Acceptance Rentals Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Acceptance Rentals Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
12/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX ACCEPTANCE RENTALS XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
07/14/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27012	Web
XXXX XXXX XXXX XXXX XXXX Ct. XXXX NC XXXX My Name is XXXX XXXX, I opened an account with XXXX XXXX XXXX is their number, AcceptanceNOW in XXXX of XXXX agreement number : XXXX. I don't even think XXXX XXXX owes the company now. I had an agreement to make payment once a month for 18 months. I have been making a payment every 2 weeks since that time of {$130.00}, I have never missed a single payment. I have paid well over {$4500.00} dollars for a living room and a bedroom suit, that is probably worth about half that much, not to mention the fees that are added. I have called this company to never get a straight answer from anyone on the staff. it's a shame that North Carolina will allow these rent to own companies to overcharge customers by hundreds of dollars, in the name of doing business. I have made 6 payment of over {$800.00} and have been told for the past 4 months that the balance is {$780.00} after each payment. I check my credit report that showed a balance of {$470.00} and I have made two payment since that time, I have never had this experience with a company, I have nothing but problems since I opened this account, Customer are looked at as numbers, they have no respect for the customer base. I will never do business with rent to own companies again as long as I live. I ask someone to please look into this matter for me, I will be happy to forward all documentation i have on payment and debits from my checking account. All I want to do is pay off this account without paying more than I owe. Sincerely, XXXX XXXX, XXXX XXXX XXXX
04/16/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Account : Acceptance now XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX Enclosures : Identity theft report Proof of identity Copy of Credit Report Fair Credit reporting Act
02/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30039	Web
I took out a loan for furniture with Acceptance Rental in XXXX XXXX. Each month around the XXXX of each month, an automatic withdrawal was made on my account. In XX/XX/XXXX, I reached out to the company requesting a notice of completion and never hear back. In XXXX XXXX, I was contacted by them implying that I had a final payment due, which I disputed. I advised them that I was disputing any additional payments due and would research on my end. Also, I advised them, that it seemed odd that they would suggest that I owed them monies, when they were withdrawing out of my account each month with no issues. They were reminded that they did not under any circumstances have any authorization to make any additional withdrawals from my account six months later. This morning XX/XX/XXXX, I was checking my account and noticed an automatic withdrawal pending from my account from Acceptance Rental, which I did not authorize and have had absolutely no contact regarding anything. This company took it upon themselves to take money from my account with any notification, acknowledgement or agreement from me.
09/21/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23666	Web
On or around XX/XX/XXXX, Acceptance now at XXXX XXXX in XXXX XXXX Va was advised via a phone call that payment would be made on XX/XX/XXXX. They proceeded to make two phone calls on XX/XX/XXXX and left two voice mails on my cell phone. One at XXXX and another at XXXX. In the 2nd message the man stated " calling in reference to my commitment to make a payment today still need to get that payment in today call us back at XXXX ''. Never stated his name and made reference to a debt owed on my voice mail. When I called back and requested to speak with the man who had just left the message on my phone, I was not given his name as he would not give it to me, only kept saying what can he do for me. I advised him I told them the payment would be paid on this date and they have called me twice and left two messages on my voice mail. The day is not over yet and the payment has been made. He never apologized for the multiple messages or his disgusting attitude towards a customer. I would never recommend anyone to do business with this company.
06/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL XXXXX	Web
I have disputed this account with XXXX and the only response I get is verified. I ask XXXX XXXX/Accptance Rentals for VALIDATION since I live in XXXX & this company seems to be in XXXX. My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
06/04/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65203	Web
On XX/XX/2020I paid an account balance for the negotiated about to XXXX XXXX. This payment should have completed my obligation to the company. I have since then called the local office in XXXX, KS and the corporate number with no help to have it removed from my credit report. On XX/XX/XXXX I requested a free credit report from XXXX XXXX. The account still shows as not paid. I called the local office again on XX/XX/XXXX. The associate there told me he got busy and never sent it to the credit bureaus. He also has no way of pulling my receipt to send to the credit bureaus. No one at the corporate office answers or calls back. I have a receipt, which the associate says I can not email to him. I am never able to get additional documentation reporting that I completed my obligation. I recently applied for a car loan and was denied. I believe this account had a huge impact on their decision. I am also trying to prepare for buying a house.
06/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was XXXX. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. Enclosed is a copy of my ID for proof. Please find attached copies of the time that was in incarcerated. Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. Thanks XXXX XXXX
07/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 21012	Web	Servicemember
I have contacted XXXX for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report Acceptance Now whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -
10/07/2019	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ACCEPTANCE RENTALS, has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
05/15/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30680	Web
I leased furniture with a company called Acceptance Rentals I returned the furniture all of it they keep stating that I kept a mattress which I did not I have a invoice from them that states all items were returned they keep harassing me telling me I owe them monies for leased furniture I have asked them several times to stop contacting me and they keep sending me emails and asking me to pay what owe they are even reporting incorrect information on my credit report. I have asked them to provide proof that I have the furniture they claim I have but they do not the emails are on a daily basis.
11/01/2016	Yes	Credit card	Billing disputes	GA XXXXX	Web
Acceptance Rentals this company operates and the financing company for XXXX and came to an agreement to pay the account in full. Now a XXXX dollar dinette is now XXXX dollars pass due! I have written to XXXX as was informed the account was paid in full back in XX/XX/XXXX. Now my bureau report XXXX is showing this company with a large balance I do not owe. I wrote the Attorney General Office in XXXX to be advise to contact your agency. I will include the email sent to me which spoke of a closing agreement with a final payment.
03/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30294	Web
I purchased furniture from XXXX using Acceptance Rentals as the leasing company. The furniture totaled approximately {$2400.00}, but without my knowledge or consent, a new lease account was added to my Equifax credit report by Acceptance Rentals showing a balance of {$5700.00} -- more than double the amount of the purchase price. I have paid approximately {$2000.00}, maybe more, for the furniture and realizing that I will pay more than double what the furniture is worth does n't seem fair, right, or legal.
08/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web	Servicemember
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
11/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. ACCEPTANCE RENTALS, {$2000.00} XX/XX/2015 XXXX
05/23/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web
I am submitting this complaint on behalf of myself. I have a debt collection account on my credit that is not mines. I do not recognize the company being reported nor have I ever applied for assistance through this creditor. I have reason to believe that my personal credit may have been compromised. I ask that you all verify the validity of this debt in which youll see this does not belong to me.
12/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
12/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
11/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30052	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30080	Web
I have sent in multiple dispute and fraud reports to XXXX and the collections agency. I have yet to receive any documents from XXXX or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.
11/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web
Credit bureau made aware I was a victim of identity theft. Of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with redacted unknown account numbers and I have never done business with Acceptance Rentals. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
09/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web
For over the past year I have been dealing with credit issues pertaining to identity theft/fraud. I have address this matter repeatedly and still have not fully restored my credit. This account appeared on my credit back in XX/XX/2017 and I have been making a conscious effort to remove the frivolous account.
09/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	Web	Servicemember
I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request
08/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30122	Web
Sent several certified letter with documents as : proof of residence for the time period this identity theft occurred, send FTC identity theft report as well. Just obtain a police report in which I will upload.
06/21/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
I pulled my credit report on XX/XX/20 and noticed 09 Acceptance Rentals on my credit report for {$1900.00} ... I do not recognize this company and this account was fraudulent
12/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30106	Web
Acceptance Rentals, Inc. of XXXX, GA has failed to report a paid off day furniture account to XXXX Credit Bureau even though theyve confirmed through email that its reported.
05/16/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30341	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
07/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33178	Web
XXXX XXXX XXXX shows late payments when is paid off and before that there were payment made also due to covid19
12/24/2017	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 32221	Web
This account has inaccurate information date opened XXXX2013 with a balance XXXX $
07/19/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75074	Web

07/18/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

07/15/2020	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

07/10/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web	Servicemember

07/01/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10466	Web	Servicemember

06/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30324	Web

06/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30519	Web

06/03/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22172	Web

04/29/2020	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 33634	Web

10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Referral

09/24/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 93701	Web

08/23/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30096	Web

02/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	TN 38018	Web

01/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30052	Web

01/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	Web

01/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web

11/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 36867	Web

09/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30297	Web

08/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web

04/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30345	Web

01/24/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30228	Web