ACIMA CREDIT, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : ACIMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
02/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Web
ACIMA DIGITAL FKA SIMP is a collection agency for rental properties and has reported to my credit report on XX/XX/2021. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt, nor did they ever send me anything showing I owed the debt prior to reporting on my credit report. When I got notice of collection on my report, I immediately sent a debt validation letter to said company. I request this debt to be VALDATED and ACIMA DIGITAL FKA SIMPL send me a response dating XX/XX/2021 which stated they were the original creditor and they provided a " Statement of Payments '' that shows alleged rent accrued, payments successfully made, failed payments, and past-due balances ''. They stated in there response this was there way of VERIFIYING the debt, however I requested the debt to be VALIDATED NOT VERIFIED. So they did not meet the request of my demands yet still report negatively on my credit report which is tarnishing my reputation and character. They will not reply to any further requests for VALIDATION because they feel as if they did when there letter clearly states they are verifying the debt and not validating. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. In conjunction with the above request, upon further investigation I did not receive All MY TRUTH IN LENDING DISCLOSURES. Provide me with my truth in lending disclosures 15 usc 1635 ( a ) Be advised that this claim was and is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Provide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. ACIMA DIGITAL FKA SIMP offices has reported invalidated information to XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of my consumer reports by your ACIMA DIGITAL FKA SIMP the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I did not give them permission or received a court order giving permission. 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Putting this false information on my consumer report has damaged my reputation and tarnished my character AND LIVELIHOOD. A negative balance means I owe something but if balance in positive amount, how is it a bill/debt owed? 15 US Code 1666- Correction of billing errors : if sending me a bill or statement, then billing error and violates my consumer rights. 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company has tarnished my reputation and violated so many of my consumer rights. Also on my XXXX consumer report it is reporting as a Collection then Charge-Off status since XX/XX/2021. A Charge off is a cancelled debt as a loss to creditor but income to me. According to the 2021 IRS Publication, any charge-off in the amount of $ 600+, the consumer is supposed to receive a 1099-C to submit on tax return as income. Since a charge off is considered ORDINARY income, you cant report income on credit report only DEBT then whys is this account being reported when its clearly INNACCURATE. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you XYZ company are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filed the account as a canceled debt. 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
04/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20019	Web
purchased two mattresses and box springs and was recently informed a nightstand. The purchase was at XXXX XXXX in XXXX, MD in XX/XX/XXXX for {$1400.00} and a {$52.00} startup fee with the agreement that {$230.00} bi weekly for 90 days to pay it off no interest. Once the month of XXXX came, there was an original issue of the payment amount and when the payment was to be taken out of my account, which was corrected, and they took the amount out for the first time in XXXX, but the actual amount the bill should have been for was still not corrected. Unfortunately, the last week of XXXX I noticed that the mattress was broken ( leaning on one side ) and did not hold up and the one I received wasn't comfortable, I contact the merchant I made the purchase at and ACIMA, who was the finance/leasing company, that the mattress was broken and about a chest that was broken and that I wanted them replaced or repaired. I also noticed that the amount ACIMA had for my balance was not the amount I had agreed too at the signing of the lease and asked them if they could correct it. They ( Acima ) stated they would reach out to XXXX XXXX to correct the amount and they would hold the account until they received the corrected amount and fix the problem with the items purchased ( the mattresses and box springs ). I called regularly and kept communication with ACIMA regarding if they had received and updated the amount as well as received word about the repair/replacement as I was sleeping on an uncomfortable mattress and my son is on a broken mattress that wasn't even 45 days old. The XXXX XXXX never replied to them nor me, even after several attempts from the XXXX and with their corporate office, which I am still at battle with regarding the purchases. I decided to go ahead and tell ACIMA to come and get the mattress as I could no longer be in discomfort waiting for things to be corrected, this includes the price and broken item. In addition, I did not even know that a nightstand was included on the lease, as I thought I had purchased two with the purchase of the other pieces I purchased that were not financed/leased, and that too was an issue. However, I was advised the process in XXXX on how to return it and was told that they would reach out to XXXX XXXX again to get the price corrected and to call back in XXXX, which is what I did and it was not done so I told them that was it, I want them to come and get the mattress sets and I would purchase new ones from somewhere else. They advised on where to call to set everything up, which I did, and they requested to send pictures via email of all the furniture within 72 hours, which I did and then to call and schedule a pick up, so it will not be considered a repossession. I did that and when I called they informed me that after three weeks or more of communication on picking up the items, that they were not coming to get it, that they had written it off as a charge off at the beginning of XXXX and they could settle for over {$1600.00}, which is more that I even paid originally for the items and now not only have they depreciated, but they were broken and I was very upset as they never mentioned this and after being advised from the supervisor to go purchase new ones and to start the process after I purchased the new ones so I would not be without a mattress ( s ). I had already set up the date for delivery of the new ones and all based on what they had informed me and now I am stuck with no good mattress sets all ready and packed to go and a bill not even made aware of until now and not to mention a dent on my credit report. I asked the specialist ( supervisor ) why wasn't I informed before all of this, as I had just received an email from them advising they had received the pictures and to call to schedule the pick up, and was told they don't know why and it is nothing I can do now but to accept their offer and also they could not confirm if they had even properly notified me via mail or email of their process or decision regarding the charge off. Therefore, I am requesting them to come and retrieve the items and settle for the amount that the mattress are actually worth, as they are now over 6 months old, still broken and an inconvenience to me altogether. The two sets alone were not even {$1400.00} so why would I pay even more, even after they received two deposits and a full payment. I have all the emails and pictures which I can provided, per request. One is below Re : XXXX XXXX\| # XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX I sent the pics My number to contact me is XXXX Two mattresses and two box springs Blessed?? On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : Patience leads to Positive Progress!! XXXX From : resolution department Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : XXXX XXXX\| # XXXX To Whom It May Concern : You have received this email because you requested a pick-up of our leased property listed in your Lease-Purchase Agreement with Acima. In order to initiate the pick-up process and discontinue payments on your account, please do the following : 1 ) Send pictures of all the merchandise to repossessions@acimacredit.com 2 ) Include all your contact information in the email Acima will contact you within 72 hours upon receipt of your email during the business week. If Acima initiates a pick-up, please be aware that you will be responsible to pay the Minimum Lease Term, any Other Charges due ( as stated in your Lease Agreement ), and any past due balance of your account. Thank you for your business. Regards, Acima -- Lease Resolution \| Acima Credit P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com I have all the emails and pictures which I can provided, per request. ACTUAL COPY OF EMAILS atience leads to Positive Progress!! From : resolution department Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX\| # XXXX Hello, We are unable to pick up the merchandise as it is damaged. Acima does not accept damaged merchandise back. As previously stated we are only able to offer you a settlement option and it looks as if you refused that. Acima is not able to offer more. Thank you, XXXX On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : I just called and now they are saying they arent coming to pick it up and i have new items coming Blessed?? On XX/XX/XXXX, at XXXX XXXX, resolution department wrote : > Hello, > > We did the get photos on another email. Due to the status of your account we are able to offer you a settlement of {$1600.00} + tax. Please call us at XXXX-XXXXXXXX regarding this offer and to make arrangements.XXXX> > Thank you, > XXXX > > On Tue, XX/XX/XXXX at XXXX XXXX resolution department wrote : > > XXXX XXXX\| # XXXX > > We never received the photos of the night stand. Please resend them at your earliest convenience. > > Thank you, > XXXX > > On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : > > Ive sent all the pics including the nightstand. Please confirm date of pick up, thanks > > Blessed?? > > On XX/XX/XXXX, at XXXX XXXX, resolution department wrote : > >> Hello, >> >> We do not do partial returns. The nightstand was part of the Acima Lease. Therefore it would be an all or nothing return. If you want to continue this process, please send pictures of the nightstand. >> >> thanks, >> XXXX >> >> On Fri, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : >> >> Ill keep the night stand as it was supposed to be paid for per my instructions. Please send me the amount for the night stand >> >> Blessed?? >> >> On XX/XX/XXXX, at XXXX XXXX, resolution department wrote : >> >>> Hello, >>> >>> Thanks for sending these into Acima, We show this lease is for 2 queen mattresses XXXX XXXX and XXXX XXXX/XXXX with foundations and one night stand. Therefore, we will need a picture of the nightstand on this lease. >>> >>> thanks, >>> XXXX >>> >>> On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : >>> >>> >>> I sent the pictures today. Please contact me to discuss the process/ procedures >>> Thanks >>> Blessed?? >>> >>> On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote : >>> >>>> >>>> Patience leads to Positive Progress!! >>>> From : resolution department >>>> Sent : Tuesday, XX/XX/XXXX XXXX XXXX >>>> To : XXXX >>>> Subject : XXXX XXXX\| # XXXX >>>> To Whom It May Concern : >>>> >>>> You have received this email because you requested a pick-up of our leased property listed in your Lease-Purchase Agreement with Acima. In order to initiate the pick-up process and discontinue payments on your account, please do the following : >>>> >>>> 1 ) Send pictures of all the merchandise to repossessions@acimacredit.com >>>> >>>> 2 ) Include all your contact information in the email >>>> >>>> Acima will contact you within 72 hours upon receipt of your email during the business week. If Acima initiates a pick-up, please be aware that you will be responsible to pay the Minimum Lease Term, any Other Charges due ( as stated in your Lease Agreement ), and any past due balance of your account. >>>> >>>> Thank you for your business. >>>> >>>> Regards, >>>> Acima >>>> >>>> -- Lease Resolution \| Acima Credit >>> resolutions@acimacredit.com P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com >>> >>> >>> -- Lease Resolution \| Acima Credit P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com >> >> >> -- Lease Resolution \| Acima Credit P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com > > > -- Lease Resolution \| Acima Credit P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com > > > -- Lease Resolution \| Acima Credit P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com -- Lease Resolution \| Acima Credit P : XXXX.XXXX.XXXX l F : XXXX.XXXX.XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX UT, XXXX resolutions@acimacredit.com \| www.acimacredit.com Sincerely, XXXX XXXX
09/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 748XX	Web	Servicemember
On XX/XX/XXXX, we went into a Business called the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX phone number XXXX. We noticed a dining room table and chairs that we had previously looked at on sale for XXXX. Previously, we had made a purchase through this company. We purchased a desk that we put on lay away interest free for 90 days. The store kept the product at their warehouse until we paid the desk off. Once we paid the desk off we picked the desk up. So, we had zero issues with our previous experience with this company. So on XX/XX/XXXX, the owner and the employee informed us that there was a program similar to the one we used before that allowed us to take the product home that day. We did not have any reserves because our previous experience was positive. I was sent a link to apply for the credit and I filled it out. The store received confirmation of the credit application, and I was informed that I had a credit limit of XXXX. We were not trying to get into a financial obligation that we could not pay off in the 90 days. So, we just took the table. However, we did not receive any paper work or terms from the store. In addition, the invoice only showed the XXXX without any tax added. I informed the manager that the invoice did not show any taxes and that this was wrong. He informed that the company will add the taxes to the payments. I asked for disclosures concerning the loan because I did not receive anything via e-mail or in person. I was told by the owner and the worker that we would be able to access those details once we registered our account with ACIMA online. https : //www.acimacredit.com XXXX However, we were assured that if we paid the balance in full before 90 days that we would not have to pay any interest. Below I have listed the spreadsheet of what we paid through our checking account. The total was {$54.00} processing fee ( we were informed that this was not refundable the same day we applied for the loan ) and {$490.00} worth of payments ( lost according to the company because we had been only been leasing the table if the note extended beyond the 90 days ). We knew our 90 days were coming to an end. So, we wanted to pay this note off. We could not contact customer service on XX/XX/XXXX or XX/XX/XXXX because it went to a dictated message. It was later in the evening due to the time at which I got off work. So on XX/XX/XXXX, I logged onto my ACIMA account. I sent a payment of {$500.00} through my checking account which cleared. Also, I initiated a payment of {$580.00} through XXXX XXXX ( XXXX XXXX said that ACIMA would initiate the actual requests for funds..but it showed that a request had been started ). We wanted to make sure that the payoff cleared and we assumed that we would figure out the details when we could actually make contact with the company. Then, we called the company discuss the fact that we could not contact a real person to get the actual payoff so we paid the amount showing once we logged onto our online account. However, we had pay off issues due according to the customer service representative. So, I discussed the other issues I had with the company : 1.the lack of disclosure and not being notified of the terms of the account or real costs of doing business with them. 2. Not having a Schumer box as required by the TILA-Truth in Lending Act. 3. Not being able to access our full credit history once we logged onto the account online..the only information being given was last payment received ... the company told us that they were a total paperless company. 4. After spending 2 hours on the phone with the company..I told them that they were committing fraud ... .a. they claimed that we were leasing the table ... so none of the payments were applied to the principle 5. the company claimed that they did not actually charge interest because if the payment was not paid in 90 days it was automatically extended to a 12 month agreement and the payments were considered lease payments. I guess the structure and nature of the loan can change from lease to loan whenever it is convenient for the company. This was after I told them that we were charged {$490.00} in interest since the payoff after 91 days ( 90 plus one day ) was XXXX XXXX {$500.00} plus the XXXX XXXX payment of {$580.00} totaling a pay off of {$1000.00} on XX/XX/XXXX even though the original cost of the table before tax was {$920.00}. In addition, I told them that what they were calling lease payments was the same thing as what rent a center calls rent ( in some paperwork we have it called rent ) ; however, I told them that places like XXXX and that the structure of the loan ( which we never received paperwork on ) was deceptive in nature and the advertisement was similar in nature to what XXXX and XXXX XXXX offered which is 90 days no interest ) also this is what the owner of XXXX XXXX told us would happen. However, this is not what happened. In addition, they are still trying to block the transaction from being considered complete. 6. the company told us that if the payments clear that we would be entitled to a refund for a 100.. the Seven day extension fee. I asked where I could find a Schumer 's box on our account ( since they were paperless ) that listed the {$100.00} dollar fee. The customer service representative informed me that there was not list. He told me that the {$100.00} was a one time courtesy fee provided due to the extenuating circumstances. He said that if all the payments cleared the {$100.00} dollars would automatically be deducted from the refund due from the 90 days interest free program. I told the customer service representative that I was recording the phone call and I do have the recording of the phone call. 7. On XX/XX/XXXX a withdraw was requested on behalf of ACIMA in the amount of XXXX from our checking account through XXXX XXXX XXXX XXXX..it was denied due to not having sufficient fund. So, they attempted the withdraw after we talked to them on the phone instead of using the XXXX XXXX account. The previous amount of {$500.00} from the same account cleared on XX/XX/XXXX because the information entered was from my debit card. They have our bank account due to payments being automatically withdrawn for the biweekly payments. In summary I am astounded at the shady business practices of this ACIMA and XXXX XXXX. They have personally dealt with me deceptively. I believe it was so that I could not complete the payment to pay the account off so they would not have to refund me the 400 something dollars of overpayment. My XXXX XXXX confirmed that a transaction was initiated but not completed by ACIMA. It is an attempt to defraud me of even more money. Furthermore XXXX XXXX did not given me all the information for this financial product. However, we spoke with the district manager of XXXX XXXX in XXXX Oklahoma on XX/XX/XXXX in person. We received a whole lot more information from the manager this time. So, I believe that XXXX XXXX is acting as an Agent on behalf of XXXX credit. They probably have a more complicated business arrangement. I told the manager that we had other financing options for the table ; and, we would have never entered into an agreement with this company..also, I told her that we never received information concerning this product. I told her that her company was defrauding many, many people. 500 in interest for 3 months is {$2000.00} in interest for one year on a product that cost {$920.00} this equals $ XXXX or 217 % interest for one year. Also, I told her for a paperless company I can not find my agreement or terms of this agreement when I request it from the company or when I log onto the company account. Furthermore, the act of initiating a withdrawal from our checking account in the amount of XXXX is fraud because the other amount of {$500.00} from the checking account was done using a debit cart. However, ACIMA had our checking account on file due to the biweekly payments of {$83.00} being taken out of our account. We think the intent of this is to harass us due to the nature of our negative interaction. Also, we still can not access the contract and terms of the agreement..even though ACIMA claims to be paperless. Date Description Comments Check Number Amount Balance XX/XX/XXXX XXXX XXXX UT XX/XX/XXXX XXXX {$500.00} ) {$1200.00} XX/XX/XXXX ACIMA : XXXX ID : XXXX CO : ACIMA % % ACH ECC WEB ( {$83.00} ) {$2000.00} XX/XX/XXXX ACIMA : XXXX ID : XXXX CO : ACIMA % % ACH ECC WEB ( {$83.00} ) {$1900.00} XX/XX/XXXX ACIMA : XXXX ID : XXXX CO : ACIMA % % ACH ECC WEB ( {$83.00} ) {$2000.00} XX/XX/XXXX ACIMA : XXXX ID : XXXX CO : ACIMA % % ACH XXXX XXXX ( {$83.00} ) {$1500.00} XX/XX/XXXX ACIMA : XXXX ID : XXXX CO : ACIMA % % ACH XXXX XXXX ( {$83.00} ) {$1900.00} XX/XX/XXXX ACIMA : XXXX ID : XXXX CO : ACIMA % % ACH XXXX XXXX ( {$83.00} ) {$2100.00} XX/XX/XXXX XXXX/ACIMA XXXX UT XX/XX/XXXX XXXX {$54.00} ) {$2000.00} Original Price was {$920.00} The processing fee was {$54.00} Total Payments were {$490.00} Pay off XXXX XXXX {$500.00} XXXX XXXX {$580.00} Total is XXXX after without the {$54.00} processing fee and {$490.00}.
09/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web
Let me begin by saying the " debt collection '' heading for this complaint is not really appropriate. It was simply the closest category to my issue. There have been no attempts to collect the debt that I have received thus far. Please read on for a detailed explanation. Should you believe that my complaint is better identified under another category, please feel free to classify as such. A couple of weeks ago while attempting to purchase a vehicle, it came to my attention that I was the victim of identity theft. The finance rep for the dealership alerted me that a collection account appeared on XXXX of my XXXX credit reports ( XXXX ) for a company called Acima Leasing. I had never heard of Acima until that moment. After a quick XXXX search, I called Acima 's customer service line. They were not able to locate the account taken out using my info by phone number but were able to find it through my ss #. The account had been opened in XX/XX/XXXX and had used my previous address ( I sold that house in XX/XX/XXXX and moved to a new address in XX/XX/XXXX. ) XXXX & XXXX would have been the months when I was shopping for mortgages so presumably, that is how the identity thief got my info. The Acima account had gone into collections in XXXX. I had never received anything from the company to that point. My understanding is that Acima sent the thief merchandise value at roughly {$4500.00} to an address that was not the address listed on the account ( my previous home address ) back in XXXX ( Shouldn't that have raised a red flag by the way? ) The person on the customer service line told me I needed to file a police report. I did that the next morning. My local officer gave me his info including badge number and the Police Report number and said if the company wanted a copy of the report there would be a small fee to obtain it but it was likely they just wanted to see the number to verify a complaint was filed. A few days later, before I had forwarded the Police report number, I received an email from XXXX in the fraud department at Acima that read as follows : " On XX/XX/XXXX XXXX was notified that a lease may have fraudulently been opened in your name. Acima takes fraud allegations very seriously. If you believe you are a victim of identity theft, please file a police report and attach it in response to this email so we may investigate further. Thank you for your assistance in our investigation. Best Regards, XXXX \| Acima '' I have to admit, this got me heated. I was already furious with the company for destroying my otherwise immaculate XXXX XXXX XXXX and to find out they expected me to pay for their investigation ( no matter how small the fee ) is exceptionally unfair. I sent a XXXX response. Here are the highlights from that missive : " XXXX : I filed a police report Thursday morning XX/XX/XXXX with my local police department ( Mt. XXXX XXXX in the XXXX, PA area. ) There is a {$15.00} fee to get a copy of it. Please be aware, under no circumstances will I pay for it. Thats on you if you want it. This was your company 's mistake granting an account to a thief. Shouldnt the fact that the merchandise was shipped somewhere other than the address provided by the crook as the home address ( my former home address ) have raised enough red flags to prevent you from accepting his application?! The report number is listed below along with links explaining the MTLPDs process for obtaining a copy. To clarify my position on this matter... I can not express to you how much it XXXX me off that you fell for this crooks scam to my detriment. If you look at my credit report from XXXX or either of the other credit bureaus, you will see nothing but timely paid bill after timely paid bill after timely paid bill on dozens of accounts over the yearsexcept your companys account. When you look at the reports, it is abundantly clear something is wrong there. In the aggregate the relationships with my many past creditors outline an immaculate credit history. It is obvious when you look at the numbers that I am a victim of identity theft. I have literally never had a late payment in my life, full stop. I do not mess around with my finances and credit and I am very good at managing my money. Make no mistake, I view this as your problem that you have now made mine. Please know that if this matter is not resolved in my favor and quickly ( days, not weeks ) I will waste no time in retaining legal representation and contacting the Consumer Protection Bureau. Additionally, should it come to that, I would naturally be seeking full compensation for all legal fees and time spent or rather, wasted on this debacle. Let me be clear, I am furious right now and I wholly blame Acima. I feel violated and your company let it happen. Crooks will be crooks but you guys should do better. I had never even heard of your company until last week. I have filed the report per your request. If you wish to have a conversation about this matter to get more detail I am willing to help to a point. My cell number is at the bottom of this correspondence. However, DO NOT expect me to jump through any significant hoops ... '' I was disheartened but not wholly surprised by XXXX 's response the following day. It read as follows : " XXXX XXXX, Our system runs a KIQ identifying quiz to establish the authenticity of the inquiry. If someone's identity was stolen, it's likely they would be able to pass this quiz without alerting the system of any discrepancies. We appreciate you filing a police report. Unfortunately, we are unable to obtain and/or review a police report off a case number alone. Also, we do not seek out or obtain police reports on behalf of victims. We will anticipate the copy of your police report as we can not proceed with the investigation without it. As you state you intend to acquire legal counsel, we will anticipate correspondence from your representation. Best Regards, XXXX \| Acima '' Obviously, I will not be consulting a lawyer over {$15.00}. I'm sure any attorney would likely recommend I just pay the fee. Obviously, I can afford it. But my position with respect to this matter is based on this simple principle : It is Acima 's investigation. It is Acima 's mistake. The onus should not be on me to prove to them they opened this account in error. On the contrary, they should be bending over backwards to fix this, and furthermore it should not fall to me to pay for or conduct any aspect of Acima 's investigation. Also, there are a couple more curious comments in XXXX 's response above : " we are unable to obtain and/or review a police report off a case number alone. '' Not true. I actually included links and copies of the explanation of how to proceed direct from the XXXX 's website in my first email. Surely, they know how to use the internet/email/conventional mail? And they are a lending company so naturally, they have the funds available. They just don't want to be bothered. " we do not seek out or obtain police reports on behalf of victims. '' Firstly, Why not? But more importantly, they are victims too. It was Acima 's money that was stolen. The thief just used my identity to defraud them. They seem to think that their hands are clean in this matter. " it's likely they would be able to pass this quiz without alerting the system of any discrepancies. '' That is precisely my point when I said you should do better. Frankly, it's a terrible excuse. Basically XXXX has admitted that there are significant flaws in their process. Look, I understand you can't catch all identity thiefs. But they could exhaust every avenue to make sure as few fraudulent accounts make it through as possible. And furthermore, when they do make it through, it's up to Acima to handle the costs and efforts associated to the investigation. I understand that it is perhaps a bit silly to make such a stink over this. But it is patently unjust and it is not something that should be abided. I have since gone ahead and paid the fee and obtained the report. I will gladly provide it forthwith to Acima if they would agree to reimburse the fee to me when ultimately deciding their investigation in my favor. If they don't find in my favor, that is when I will be consulting and attorney.
10/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	NC 28213	Web
So I have been a customer of XXXX ( now XXXX XXXX , XXXX ) service providers ( XXXX XXXX XXXX, etc. ) for years now. I have loved there services and rarely if ever have any issues with the products and services. So they recently changed the provider of services for the XXXX website to Acima. I have never used them but looking over the application and agreements, everything looked the same as what their sister companies looked like. I always utilize the 90 day payment option on my account. Prior to that date I called and spoke with customer service ( XX/XX/XXXXXXXX ) about my bill. During this call I did get disconnected from the call twice and on the third call was able to speak with someone in regards to my 90 day purchase option. I informed them that I wouldn't be able to do the 90 day purchase on that date ( XX/XX/XXXXXXXX ) and if it would be ok to push that payment out the XXXX and still utilize that early purchase agreement. They informed me that that would be ok to do and that the company actually allows an additional 7 days in order to sill use that 90 day purchase option. I said that was great news and to setup the payment to come out on that date. The person told me they couldn't setup the payment in advance but that I can call in on that date to make the payment. They gave me the total amount due on that date would be {$860.00}. I agreed that this would be okay and was told that my account would be notated for that date and amount. A few days later I received a call from collections department in regards to my account. They told me they had no record of me speaking with anyone that day that gave me any of that information and the only conversation noted on my account was the conversation I had with one of the previous two people I spoke with on XX/XX/XXXX, only in reference to my account balance. I said that was kind of weird that only two noted and the third didn't and proceeded to give them a synopsis of my conversation with the previous person. The person told me that I can still utilize the early purchase option as previously discussed, but now that it would cost me an additional {$100.00} plus other fees. I asked why was I being charged an additional amount when I have already agreed to a set amount. They told me there was no evidence that they previous person gave me any of that information, and that I would basically need to pay the fee in order to close out my account. I asked to speak with a supervisor and have them pull the call and asked for a transcript of the call, since all calls are recorded. The supervisor told me he was unable to provide me with any assistance in this. He could not wave fees and that it would have to go to a separate department. I was told that day that they would submit a request for the call to be pulled and reviewed and to call back in a few days. During that time, I contacted someone at XXXX, to get information on policy and procedures. They informed me that there were departments that handled these types of issues and that Acima should have a way for me to speak with someone to get the issue rectified. When I called Acima customer service back to follow up on my request and to let them know the information I received from XXXX management staff, they told me that basically they don't have to follow the same protocols and procedures as other XXXX XXXX service providers. I was also informed that they previous request for the call to be pulled was never done and that it would need to be done again. At this point I was getting really frustrated because I was feeling as though they were purposefully being misleading and evasive. I told them that I was not going to pay additional fees that are not spelled out in my lease agreement. I was informed that they " do not have to list these additional fees in my lease agreement. That extensions are a service provided as a courtesy and they don't have to disclose those fees until you go to finalize your 90 day purchase. '' This was inclusive of an ADDITIONAL {$30.00} fee that was added to my bill as a processing fee, even though my lease agreement says {$0.00} under this fee amount. I was absolutely appalled. The entire point of a lease agreement is to spell out all of these fees in advance and that they are greed upon prior to signing a lease. I told them that day that I would pay the purchase amount to close out my lease with caveat that my call would be pulled in regards to the additional fee and that I would be refunded that fee since it was not a part of the previous AGREED UPON amount. This call can also be pulled. Because I repeated twice during the recorded script that I agreed '' minus the fees amount that would be refunded to me. '' They attempted to get me to just say I agree, but I repeated with my addition. I was told that day that someone would be pulling my call from the XXXX and my account would be notated. On my XX/XX/XXXX my account was charged the full amount of {$970.00}. No one had looked into my call and the amount was not refunded to my account. Days passed and still nothing. I spoke with my financial institution in regards to the issue and they informed me of my consumer rights and FTC regulations. In order to help me in getting back my refund, they sent a letter to ACIMA to dispute the additional {$100.00}. They have not yet responded to my banks inquiry. Today, XX/XX/XXXX, I received a notification from my bank that my account was charged again an amount of {$100.00} from ACIMA. I chat messaged Acima this time, since you can automatically get a transcript of conversations after your chat. When I asked why I was being charged still for an account that I paid off and is closed. Their response was that they had not received any payment from me. That the entire purchase was declined from my bank as a fraudulent purchase and that my lease was reinstated and that my new balance was now {$1600.00}. I informed them that the amount was not declined. That I could even provide them with proof that it was taken out of my account. They said that I would need to speak with my bank ( which I did after this chat and they informed me that the information give to me from ACIMA was incorrect, the transaction was not declined and that the banks policy is to send they a verification of the amount and they have to respond verifying the additional charge ). That I would continue to be charged. I asked if my account had been resolved and the call reviewed. I was told that It was noted on my account that when i spoke with someone on the XXXX, they attempted to run my card for the agreed upon amount of {$860.00} and my bank declined it. Then they ran it again on XX/XX/XXXX with the additional fees. There is no evidence that the card was ran on XX/XX/XXXX and this is information different from the 10+ other people I have spoken with have told me. Needless to say, the conversation confirmed the person did in fact say that the amount to be processed would be {$860.00}, yet they still proceeded to withdraw an additional fee anyways. I informed them that they were no longer allowed to auto withdrawal anything from my account. I was told that they would still attempt to pull the payment. This is where I ended the conversation. As any blatant attempt to keep withdrawing from a persons personal bank account AFTER that authorization is withdrawn is a violation of my consumer rights. I was told by my bank to contact CFPB and my local trade commissioner. That the company seems to have some practices that are not within laws and regulations. I have made multiple attempts to ask from someone to speak with outside of customer service department and was told that there is no one to speak to outside of customer service. I cant get a copy of the transcript. I cant get contact for a complaints department. And I cant get a contact for any management team within ACIMA. They have refused to provide me with any contacts and any resolution aside from pay them more money. I have reached out to my bank and they have informed me that the payment is not declined, and that they are still waiting on response back from someone at ACIMA.
04/01/2023	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 Was not notified of investigation status or results	AZ 85037	Web
I am writing to file a complaint against XXXX and Acima, a creditor that has violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am alleging that Acima has charged off my account before the 180-day mark, in violation of the FCRA and XXXX XXXX XXXX XXXX XXXX proof of consumer credit indebtedness. I have not received a written notice from Acima indicating that my account had been late or charged off. However, I believe that this charge off was made before the 180-day mark, which violates both the FCRA and XXXX XXXX XXXX XXXX XXXX proof of consumer credit indebtedness. Under the FCRA, creditors are required to notify consumer of negative reporting in writing prior or 30 days after negative reporting has been report negative information about a consumer 's credit history, including the date of first delinquency and the date of any charge off. XXXX XXXX XXXX XXXX 's proof of consumer credit indebtedness further clarifies that a creditor can not charge off a debt before the 180-day mark has been reached. Clear violation on consumer report payment history doesn't reflect " 30, 60, 90, 120, 150, 180 '' or the exact date of first delinquent. Acima 's violation of these requirements has caused significant harm to me, such as damaging my credit score and affecting my ability to obtain credit, housing or loans. I am requesting that the Consumer Financial Protection Bureau take action to hold Acima accountable for its violation of the FCRA and XXXX XXXX XXXX XXXX 's proof of consumer credit indebtedness. I request that you investigate this matter and take any necessary enforcement action to ensure that Acima complies with the law and rectifies any damages caused to me. I am writing to file a complaint against Acima, a lessor that has violated my rights under the Truth in Lending Act ( TILA ) Regulation M, 12 CFR Part 1013. Specifically, I am alleging that Acima has failed to provide required disclosures for a lease that meets the following criteria : A period of more than four months ( week-to-week and month-to-month leases do not meet this criterion, even though they may be extended beyond four months ) ; and With a total contractual cost of no more than the threshold amount specified in Appendix C at 12 CFR 1013.2 ( e ) -9. Despite meeting these criteria, Acima failed to provide me with the required disclosures under TILA Regulation M, which includes information such as the total amount of payments, the total amount of the lease, the amount due at signing, and other important details about the lease. This failure to provide required disclosures has caused significant harm to me. I am requesting that the Consumer Financial Protection Bureau take action to hold Acima accountable for its violation of TILA Regulation M. I request that you investigate this matter and take any necessary enforcement action to ensure that Acima complies with the law and rectifies any damages caused to me. Advertisement- means a commercial message in any medium that directly or indirectly promotes a consumer lease transaction. Personal items were listed as a month to month payment of {$50.00} something dollars. Acima Emails also dedicated it was instore credit or credit line with an credit approval with third party. So Acima wasn't present at the transaction, Acima is unaware of the advertise price on item. The advertisement failed to comply with certain disclosure requirements under the Truth in Lending Act ( TILA ) Regulation M, specifically related to accurate disclosure of trigger terms and other required information. The advertisement included a reference to a trigger term, specifically the amount of the monthly payment required for the lease. However, it failed to include the following required disclosures : A statement that the transaction is for a lease ; The total amount due prior to or at lease signing or delivery ; The number, amounts, and due dates or periods of the scheduled payments ; A statement of whether or not a security deposit is required ; A statement that an extra charge may be imposed at the end of the lease term where the lessee 's liability ( if any ) is based on the difference between the residual value of the leased property and its realized value at the end of the lease term. Additionally, the advertisement failed to comply with requirements for an open-end lease, which should have included a statement that extra charges may be imposed at the end of the lease based on the difference between the residual value and the realized value at the end of the lease term. Furthermore, the advertisement provided a percentage rate, which was more prominent than other required disclosures. The advertisement also failed to include a statement that " this percentage may not measure the overall cost of financing this lease '' and used the term " annual percentage rate '' despite regulations prohibiting such use. I believe that these violations have caused significant harm to me as a consumer, including confusion and possible financial losses due to inaccurate or incomplete information provided in the advertisement. I request that the Consumer Financial Protection Bureau take action to investigate this matter and hold Acima accountable for their violations of TILA Regulation M. Please take any necessary enforcement action to ensure that Acima complies with the law and rectifies any damages caused to me. Thank you for your attention to this matter. Please let me know if you require any additional information. I am writing to express my concern regarding the handling of my consumer report by your organization. As a consumer, I have the right to ensure that the information being reported about me is accurate and up-to-date. Unfortunately, it appears that XXXX has failed to investigate my consumer report as required by law. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate any disputes within 30 days of receiving a request. However, despite my attempts to dispute inaccurate information on my report, I have yet to receive any confirmation that XXXX has conducted a thorough investigation. I am requesting that XXXX comply with the law as written and promptly investigate my consumer report. Please provide me with written confirmation that an investigation has been initiated and a timeline for when I can expect a resolution to this matter. Additionally, I request that you provide me with a copy of my updated report once the investigation is complete. I understand that mistakes can be made, but I am concerned about the lack of action on your part to rectify this situation. I trust that XXXX will take swift and appropriate action to ensure that my consumer report is accurate and up-to-date. Thank you for your attention to this matter
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 210XX	Web
On XX/XX/XXXX I was approved for a consumer loan with Acima Credit on lease # XXXX ( Exhibit 1 ). Upon approval of the loan, I was authorized to select the wheels of my choice with XXXX XXXX. I choose the XXXX XXXX XXXX. The wheel and tire package came up to XXXX of which Acima financed XXXX of the total cost and the remainder I paid in cash which left me with an early " buy-out 90 day '' option for XXXX ( Exhibit 2 ). I was told the XXXX was for processing fees. I agreed to the contract and decided to do the early buy-out program as I stated on the phone. I order my Wheels from XXXX XXXX XXXX Exhibit 6 and 7 ) and worked with XXXX the Sales Rep to get approved through Acima since XXXX XXXX refused to work with XXXX XXXX even though I initially got approved through XXXX XXXX was very responsive initially until all paperwork was signed and money was secured. Upon follow up with XXXX just to confirm that the lugs and badges for the wheels were sent it took XXXX several days to get back with me. Once he got back with me he told me that my lugs would be mailed out the next day. Weeks went by and my wheel final arrived. Upon arrival I noticed damage on the face of the wheels. I then when back to a few photos that XXXX sent me prior to mailing my wheels and noticed the neglegence displayed when mounting my wheels with the tires. The photos show ( Exhibit 3 ) the wheels laying on their face on the bare concrete. I called XXXX back to explain the damage and to also explain that the wheels XXXX sent me were not the correct fitment that we agreed on and the wheels were very damaged upon arrival. I asked him to refer to the photo ( Exhibit 4 ) we both agreed on that I sent him to confirm the fitment would sit inside the finder of the SUVXXXX XXXX then stated that instead of returning the wheels, he would offer me the difference to have the wheels refinished if I just kept them instead of sending them back. I hesitantly agreed with him but wanted to resolve the issue. Before the shop had a chance to install the wheels, I took them straight to the XXXX XXXX in XXXX XXXX to have them refinished. I was told the cost to refinish the wheels would be XXXX. I then contacted XXXX via text ( see JPG files for text conversation and confirmation the merchant knew they did not fit and dismissed it as simple cosmetics ). XXXX offered me XXXX and told me that was the best that he could do. Despite the money falling short of covering the damage cost, I took the refund and applied all of it in addition to another XXXX to get the wheels refinished. Once I got them refinished, I was ready to have them installed at the local XXXX XXXX. I went to XXXX XXXX to have them installed and XXXX weeks later still did not send the lugs to attach the wheels to the vehicle. I decided to pay XXXX XXXX for a set of lugs to move forward with the process after allowing my SUV to sit for several days waiting on XXXX to send the lugs. Once the wheels were installed, the rep for XXXX XXXX called me to inform me the wheels did not fit and stuck out beyond the front finder and they rub against the side of the wheel well when you turn. In addition to that, the rear wheel and tires would hit the finder during the SUV lowering to access and cause the SUV to raise up above access level to clear the finder. I contacted XXXX to let him know that I need to send these wheels back since they do not fit and he told me that they do fit and do not contact the finance company. I decided to contact the finance company to make them aware that I still have not receive the merchandise that I order. I was told by the finance company Acima that the merchant Said they do fit and there is nothing they can do despite seeing the picture they requested I send in to resolve the issue. I was told that I either had to donate the merchandise or to keep it and pay a settlement cost since I was not satisfied with the merchandise. Since I had no choice but to purchase merchandise I can not use, I chose to take the settlement amount of 3 payments of XXXX of which I made the first payment on time. In addition to that I was charged XXXX for my first payment which should not have been approved until the dispute/resolution was complete. Not one time was I told that if I accepted the settlement amount despite me making all payments on time, Acima would report Negative to my credit report despite Acima forcing me to accept merchandise that I did not order. I am in the process of purchasing a house and the negative rating Acima sent to my credit has now placed my purchase in serious jeopardy and all I have done is do the right thing by Acima. This is fraud from several difference perspectives. 1. I can show the early buy out offer at XXXX and that is after I made my first payment. 2. My credit report on the XXXX of XXXX showed two accounts from Acima, one showing closed with 1 on time payment and the next month a closed status with a note of settlement paid in full for less than amount owed. The second account reported showed open with the balance of XXXX which is the balance of the agreed 3 payments of XXXX. After I called yesterday, I checked my credit report today and the second account with the balance of XXXX just disappeared. Now the report shows the account has been closed paid in settlement for less than amount owed and has been closed. I tried to resolve this with Acima by offering to pay of the remainder balance of the XXXX in exchange for Acima updating my credit profile to reflect accurately. The head person at Acima refused to accommodate me and insisted that I pay the money with no guarantee of correction. Acima is committing fraud by reporting my information to the credit bureau incorrectly and allowing a merchant to add additional charges to the total bill. I have pictures, text messages and emails that I will attach to validate all statements in this letter. I would like to get this resolved before the 90 days as they will use that against me to go after a 25 % interest rate to lock me into almost XXXX owing them. I have screen shot of my credit report as of today XX/XX/25 that will show that I have satisfied my debt with Acima according to them and I have no money owed to them. Acima report all money owed but for some reason they are not reporting the last two payments. There has been some fraudulent activity with Acima and my credit profile is being changed on the fly each time I complain. Can you please investigate the fraudulent reporting and fraudulent charging to the customer. Lastly, I would like all money refunded back to me as I have no use for the merchandise and my account status with Acima closed with no negative rating associated with it.
07/24/2023	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	CA 91942	Web
XXXX refuse to remove a charge off off my credit report. This charger is affecting in my credit score, and I am currently a young woman trying to purchase a home and repair her her livelihood. I went through a hardship I was homeless. I became ill with XXXX and I was unable to pay the debt Towards a XXXX, they close the debt as a charge off and illegally are continuously displaying it on my credit report Ive been though I am ask for fair removal fees and they also are displaying the incorrect amount and I originally agreed to pay and they continue to say I was late after they had charged off my account. ACIMA DIGITAL FKA SIMPLE Potentially Negative Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until Payment History ACIMA DIGITAL FKA SIMPLE XXXX Lease Individual XX/XX/XXXX Account charged off. {$690.00} written off. {$2200.00} past due as of XX/XX/XXXX. XX/XX/XXXX {$2200.00} XX/XX/XXXX - - {$2100.00} - XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX? XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Annual Credit Report - XXXX Here is the Original Invoice : As it Displays the Correct Amount from the Creditors. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Invoice # Invoice Date Balance Due XXXX XXXX {$0.00} Line Total {$890.00} {$29.00} {$920.00} Item Repair Cable Disclaimer Description XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX Unit Cost {$890.00} {$14.00} Quantity XXXX XXXX XXXX XXXX Return Policy- Used computers, phones, tablets and monitors may be returned within 14 calendar days from date of purchase. New computers, monitors, ipads, tablets, phones, ipods, mp3 players, hard drives, keyboards, mice, cases, covers, accessories, or miscellaneous items are not returnable. Items must be returned to XXXX XXXX within 14 calendar days of purchase. All products must be returned in the same condition they were purchased and all chargers and accessories must be included. XXXX XXXX will assess a 15 % restocking fee on all returns within the 14- day period. No returns will be accepted out of the 14-day period. No other products can be returned. This includes, but is not limited to : hard drives, adapters, RAM, optical drives, cables, chargers, cases, mice, keyboards and any miscellaneous parts not listed. Purchases made with credit card will be refunded to the same card used for purchase. Under no circumstance will a refund or return be granted without the original receipt. Customer MUST bring their receipt in for a refund or return on any kind. All items presented for refund or return must be presented with original receipt at time refund is granted. No exceptions. Customers paying in cash will be mailed a check within 30 days of return. 6 month warranty on all repairs including parts and labor. Repairs/Data Transfers/Service : All hardware repairs carry a 6 month parts/labor warranty. XXXX XXXX will replace/repair any defective parts within 6 months of service performed. There are no refunds or warranties on rush fees, data transfers or software related services. Exchanges : Exchanges for computers will be accepted within 14 calendar days from date of purchase. Exchanges are only valid for computers. No other products can be exchanged. Warranty : XXXX XXXXXXXX warranties all computer sales for 90 days from original date of purchase against any manufacturing defects. Warranty does not cover accidental damage, cosmetic damage, LCD imperfections, software issues, and anything deemed reasonable for a used computer, phone, tablet, or monitor. Trade-ins : When a computer is traded in it becomes property of XXXX XXXXXXXX XXXX XXXX XXXX has no responsibility to save any data that is on the computer when traded in. All data will be erased. ALL TRADE-INS ARE FINAL. NO EXCEPTIONS WILL BE MADE. Signed : Date : Subtotal Tax Invoice Total Payments - {$930.00} Credits Balance Due {$0.00} {$0.00} {$2.00} {$930.00} Next Receipts Displays Actual Cost : RECEIPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SALE Invoice Number : XXXX Payment Date : XXXX XXXX XXXX AM Customer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1.0 Cable 2.0 Price {$890.00} {$14.00} Invoice Subtotal : {$920.00} Invoice Tax : {$2.00} Invoice Total : {$930.00} Payment Method : Acima Payment Amount : {$930.00} I agree to pay the above total amount according to the card issuer agreement ( Merchant Agreement if credit voucher ), and agree that the above work was completed. X________________________ Cardholder Signature APPROVED - THANK YOU Here the lease is showing As Closed XXXX XXXX XXXX XXXX XXXX ( Closed ) This lease is closed. For more information please call XXXX Lease Details Name : XXXX XXXX Merchant : XXXX XXXX Property Description : XXXX XXXX XXXX I also want to XXXX XXXX XXXX XXXX My accounts with them closed and charged off yet remains on my credit report and requesting these be removed due to fact that the company owns the debt. And have charged it yet report to my credit report as late. They are ruining my credit as a young woman who had a few harships related to XXXX. I also disputed this with credit bureau they have not got back with my request., XXXX XXXX XXXX Under dispute Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until Payment History XXXX XXXX XXXX XXXX Deposit Individual XX/XX/XXXX Account charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX. XX/XX/XXXX {$380.00} XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Was named another Name I believe XXXX XXXXXXXX XXXX XXXX Located at the Same Address. They change their name without warning my changed off my debt in their previous name. And Continue to Report this Charge off as late under a name that I do not have a contract with. I have never signed any documents with XXXX XXXX XXXX XXXX and I did not open my account with XXXX XXXX., I was never aware they were changing their name., and they were previous attempts to pay the debt before a control and their staff members refused to call me back I went through a hardship and became unable to pay the debt due to homelessness due to the pandemic, and also becoming sick with XXXX that I was unable to pay the debt and they wrote it off.
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75605	Web
I would like to fie a complaint against XXXX and a account Acima that I had tried getting fixed by sending XXXX notice of errors. I have also tried sending Acima a direct dispute at the address XXXX specifies for me to contact them at, and to my surprise the letter was returned to sender because the address was not deliverable. XX/XX/XXXX I sent XXXX a dispute with a copy of my consumer report dated XX/XX/XXXX report number XXXX in regards to the On Record Until XX/XX/XXXX was Inaccurate because this account wasnt opened until XX/XX/XXXX so the date of commencement can not be 2 months prior of the open date in XX/XX/XXXX and the payment history reports the date of commencement that led to the delinquency to be XX/XX/XXXX. 1681c ( c ) clearly specifies how to determine the federal 7 year running of reporting period. The same month this account went into delinquency that led to the charge off status is the same month the account will be federally removed with respect to the additional 7 year running of reporting period. I have also made it clear that I have sent Acima a direct dispute under XXXX on XX/XX/XXXX tracking XXXX at the address in which is reporting on my consumer file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting specific information so I can assure XXXX is reporting to the maximum possible accuracy 1681e ( b ). XX/XX/XXXX is the day that the letter I sent to Acima was a return to sender and my letter was sent back to me. If the address that is specified on my consumer file as a form of contact to reach out to this creditor is inaccurate then this error is just another reason for dispute.i have done some research and looked up Acimas website https : //www.acima.com/XXXX and the address that Acima suggest to reach out to is different then the contact address listed on my report. Acima specifies to reach out to Acima DigitaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also made it very clear that I chose to opt out of having my private nonpublic information being shared with a nonaffiliated third party XXXX XXXX XXXX. Acima only has 3 affiliates ( Acima XXXX XXXX, XXXX and XXXX XXXX ) they share information to that I can not control and the consumer reporting agencies are NOT affiliated with Acima. Therefore me choosing to opt out is a option I chose to exercise XXXX ( b ) XX/XX/XXXX XXXX has generated me with results report number XXXX and the outcome was this account was Verified as Accurate and Updated. My results dont include my name in which whom this report was prepared for. XXXX specifies for me to review my updated report but there was no updated credit report included for me to review. Such updated report was not included with my results. XXXX usually includes a form of contact whether its a address or phone number to reach out to the creditor in regards to my dispute but XXXX did not include a form of contact with my results. XX/XX/XXXX I got a new report, report number XXXX and the following errors and incomplete information are as follows after XXXX verified this account as accurate only a day prior. -the on record until XX/XX/XXXX was NOT fixed. This date still reports inaccurately after my previous notice to them. -balance, balance updated, recent payment are all incomplete. -the payment history reports XX/XX/XXXX as a CO ( charge off ) which is Inaccurate. XX/XX/XXXX Acima sent me correspondence saying the account has been settled and closed on XX/XX/XXXX therefore the discrepancy of a charge off on XX/XX/XXXX is Inaccurate. This account was closed on XX/XX/XXXX NOT charged off. XXXX XXXX XXXX reports XX/XX/XXXX was the date of commencement that led to the charge off status therefore the on record until should match the same month as described in 1681c ( c ). -the contact address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is INACCURATE because I have proof of return to sender when I tried sending them a direct dispute to this same address. -XXXX XXXX account paid in full for less than the full balance is Inaccurate and the Notice of this account was disputed by the consumer is MISSING when the notice should be included to support XXXX verified as accurate results 1681s-2 ( a ) ( 3 ). How else can XXXX verify this account as accurate other than contacting the creditor and recieving the creditors verification and modifications in order to update this account according to 1681i ( a ) ( 2 ), 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( 1 ) and all its subsections. XXXX XXXX this item was updated from the processing of your dispute XX/XX/XXXX its impossible proper procedures were conducted in a investigation when there has not been any confirmation from the creditor that this account was disputed by the consumer. The only update XXXX did was update the Payment History to XX/XX/XXXX from CLOSED to now Charged Off ( which was a inaccurate modification ) because XX/XX/XXXX Acima verified when exactly the closed date occurred which was on XX/XX/XXXX. So how is it that XXXX can verify as accurate this account with the creditor but the information the creditor verified with me is different? In conclusion, I do not believe XXXX is following federal regulations and instead they ignore my dispute and update something else. The FCRA clearly states the consumer reporting agencies have 2 options as treatment when it comes to a reinvestigation 1681i ( a ) ( 5 ) ( A ) ( i ) either modify the account as appropriate based on the result of the reinvestgation OR delete the account. XXXX clearly has failed to modify the error I brought to there attention because the same error is reporting after there verified as accurate results. I have tried disputing with XXXX indirectly and have also tried sending Acima a direct dispute at the address XXXX specifies for me to reach out to them to. My consumer file remains inaccurate and incomplete after XXXX confirmed the account was accurate. I have no other option but to bring this matter to your attention to get XXXX to comply to federal and state laws because clearly XXXX does not care about law that they are required to comply to. I have also included a copy of the dispute I recently sent XXXX on XX/XX/XXXX just in case XXXX doesnt comply for your viewing.
04/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL XXXXX	Web
First off the Company is based out of Utah and has a local Utah number of XXXX.Well I been getting calls from the Acima from a XXXX area code which is a Florida area code spoofing their calls so I can answer my cell phone.When I went on the F.T.C. Website, its illegal for them to this.Other people have sued company in the past for this illegal practice.Also im being charged extra fees that I wasn't aware of and when I asked about the charges to a customer service Rep I was advised that it doesn't matter since im already behind on my payment. XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g
11/10/2021	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28540	Web
1. XXXX XXXX FKA XXXX Account Number:6304**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with ACIMA CREDIT FKA XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	Web
1. ACIMA CREDIT FKA XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with ACIMA CREDIT FKA XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28150	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. ACIMA CREDIT & BAXXXX. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXXXXXX bal. {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76179	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT FKA SIMPL & {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76065	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX bal. {$5100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT FKA SIMPL & {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX XXXX {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
11/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75224	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX bal. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
12/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	KS 666XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT FKA SIMPL bal. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX bal. {$5400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX XXXX {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75154	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT & BAL. {$400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75216	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX XXXX {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75237	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX bal. {$690.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20774	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Acima Credit & XXXX. {$4100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
08/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43227	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT FKA XXXX bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11203	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ACIMA CREDIT XXXX XXXX bal. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	AZ 85353	Web
I have noticed " FALSE ADVERTISING '' on the monthly payment after item was purchased the hidden payments were being weekly not as advertised in store as monthly from my understanding they are a third party and only noticed after the contract was sent over to me. I have also noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement.The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$7800.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$0.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ) .These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C. 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.15 U.S. Code 1666b.Timing of payments ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I have not receive any such notice by mail and i have requested for mail deliverance on statements other words go paper instead of paperless. so i can get a clear understanding of both my bills with them and seek alternative payment options such as " Remittance coupon '' has the word coupon : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan.Security defined in 26 C.F.R 301.1.7701-11 means purchase, any of the foregoing ; negotiable instruments ; or money. pursuant to 12 CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. cease and desist on try to collect until we come to an agreement and overstanding remove all late payments on my credit report your weekly collections doesn't match the last payment was made nor was i notified correctly until this matter is resolved I only wish to be contact in writing only on this matter.
07/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30127	Web	Servicemember
All 4 Tires were contacted me on XX/XX/XXXX because I left my information on their website as I was curious about the {$1.00} down for automotive services. I requested brake pad replacement and oil change only. I just purchased this car XX/XX/XXXX with evidence of well cared for vehicle and maintenance. I took my car in because Im a little hard on breaks so I simply knew that I may need new brake pads. As Im trying to understand why its taking so long to get an estimate for only the services I requested, I became very frustrated and demanded my car back when they told me I needed wheelbhubs rotors and brakes!!! I demanded to release my from the lifted position it was in the manager came out to explain why it wouldnt make sense to fix the pads and seemingly waiting for someone or something not sure but I was tired of the back and forth after an hour or so to have them tell me they would be happy to give me a deal on wheel hub and oil change replacement for {$680.00} total. I was very confused and I agreed and they said there was a fee to start the service with ACIMA and I needed to pay. What I didnt realize was when I inquired about their services online ACIMA was the hidden hand to rent as I understood credit for services until paid. ACIMA REPEATEDLY THREATENED TO REPOSSESS THEIR PART AND ARRANGED PICK UP FOR AN ITEM THAT CAN NOT just be removed without replacement of my original wheel hub, so if they wanted their property back then where was my original DEALER WHEEL HUB and why wasnt I shown any reason for such services???? They were so careless at ALL 4 TIRES there was no identity concern for their services as long as you wait for a text that took 5 hours to respond to, thank couldnt see my vehicle while it was in the garage as majority repair shops escort customers to witness evidence of damage or negligence of a vehicle in danger. I received evidence of superior satisfaction maintenance history I was alarmed after taking my car in for these minor services to be threatened of wheel hub damage and that it didnt need brake pads also they told me that they didnt use XXXX so I declined on the oil change and to find out it was changed anyway once being handed a very amateur version of a service order. I was forced to get services similar to my inquiry but it was all in benefit of the disguised sponsor and the front magic to sell deception to innocent XXXX XXXX with her XXXX children in the waiting room for 5-6 hours not knowing how much business doesnt fear any regulation of laws being a threat to ANY BUSINESS BECAUSE IF IT WERE THEY COULDNT GET AWAY WITH THEIR PONZI SCHEME!!! Price gouging services totaling {$1800.00}. After ALL 4 TIRES removed my original property to claim for themselves, probably to sell or rent or finance to a more financially secure victim. However, I returned back in less than 2 weeks to tell them that I still hear the pad as the same before as if nothing happened when I come to a complete stop. When I went back to All 4 Tires I was told by the owner who met me in the parking lot as I turned in, to then rush back inside the office area prepared for confrontation as I parked to walk inside immediately asking him if I could witness the inspection of what was fixed, he insisted to get to the ground asking me where when it should have been known to aggressively alarm me that he can see the problem as he looked for damages knees on the ground in the parking space I parked in, deceptively and skillfully saying it wasnt under warranty and he was short staffed I could pay for the repairs of whatever he saw which he never communicated without ever placing the vehicle on the lifter, Im not sure what one is able to diagnose without a active body examination of problem or complaint. At this point I was furious and I threatened to seek legal help if he didnt do the due diligence of why I was complaining, I havent filed any legal charges against anyone for DESTROYING MY CREDIT FOR NEGLIGENCE AND TO MAKE IT EVEN MORE disheartening is that on XX/XX/XXXX I was warned and in threat of causing the motor to need replacement by XXXX XXXX XXXX attempted to perform an oil change and I was given an estimate to return when I could pay for the broken oil filter in denying the oil to be changed and an estimate of {$850.00}. I already had to replace and repair the wheel hub and and replace all 4 calipers because of the damage. My mother asked a coworker to repair my car on a installment of trust which took us 5 months to pay for the unexpected damages of {$2400.00} for wheel barring replacement, calipers, and I had to pay the dealer {$830.00} to replace the oil filter housing and oil leak damage. I have pictures receipts witness and on XX/XX/XXXX ACIMA DEBITED MY ACCOUNT FOR XXXX For an account that is charged off since last year and I spoke to a fraudulent source thinking a debt collector to settle my account for {$300.00}. I just want the right thing to happen to everyone involved PLEASE INVESTIGATE THE FRAUD ACIMA AND ALL 4 TIRES ARE DECEIVING THE ENTIRE TOWN WITH THE FIRST ADMINISTRATIVE CHARGES TO GET YOUR CARD NUMBER ALL TO NEVER GUVE YOU A BREAK DOWN BY ELECTRONIC PLATFORMS YOU CAN NOT ACCESS FOR A MONTH AFTER THEY HAVE STOLEN EVERYTHING!
03/15/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33914	Web
XXXX Friday, 2017. I went to purchase a new couch. Was told 90 days, no pre-payment penalty. No credit checks, no harassment. 1 monthly payment.. You can pay it off at anytime. {$850.00}, not a penny more I was told.. signed and written by the store 's owner/general manager. XX/XX/XXXX the couch was delivered after paying the {$42.00} first required payment. XX/XX/XXXX, I see a deduction from my checking account for {$78.00}! XX/XX/2017 Withdrawal ACH SIMPLE ACIMA XXXX I was like? Excuse me, hold up! Whats this? Less then 10 days ago, I was delivered the couch and was told once a month around the XXXX of the month. So I called, they apologized. It was set up for bi-monthly. I see you owe $ XXXX! WHAT?? I agreed to {$850.00}. oh, we see that, but thats not calculating our finance charges and lease agreement fees. I was clearly told 90 days, {$850.00} within the 90 days. Not {$1700.00}. So one XX/XX/XXXX I raised XXXX with the company, and verbally asked them to cancel this out. Close the account, I aint doing all this. I was told, I must put it in writing I can email it too them. So I did. I've emailed them XXXX times since XX/XX/XXXX, all asking the same thing. CANCEL this out! Well, XX/XX/XXXX, they attached a lease for the {$1700.00} to my EXPERIAN credit! I've tried 3x 's disputing this through XXXX. Was told, I needed to contact you all. The company refuses to cancel this out. The company wants 40 % of a lease amount, I never agreed to pay, for them to pickup the product. Company refuses to cancel this out. Company refused to debit my checking account once a month, as agreed upon! Company refuses to talk with me. Company doesn't care what the store promised me, thats not on them. Company still is harassing me with " we will post this as derogatory onto your credit '' ( ALREADY HAVE ) We will charge this off. Company ignores every request to pickup couch without my agreement to pay 40 % of the " leased '' amount! I'm not paying $ 700+ when all I should of paid was {$850.00} over the last 3 months. I called to get this resolved over 17 times since XX/XX/XXXX. Told I needed to speak to collections and respond via email. Only responses I get from them are generic.. See below. ( Dear XXXX XXXX, This letter is your FINAL NOTICE to resolve your PAST DUE account with Acima Credit or your account will be CHARGED-OFF. We have made repeated attempts to contact you regarding your past due status, but as of the date of this letter, we have been unable to resolve this matter. If you are unable to cure the past due renewal payments, we must make arrangements to collect our property. If you still want to keep our property, we need to come to an arrangement regarding the outstanding rent due, and future renewal payments. Please contact XXXX XXXX XXXX at XXXX XXXX XXXX XXXX immediately to settle your account, or set up payment arrangements to bring your account current before your next scheduled renewal payment is due. Acima has reported your delinquent account status to XXXX, and other credit reporting agencies. By curing your delinquency, you may ease the negative effects of non-payment and prevent further damage to your credit. Please contact Collections and Recovery at XXXX XXXX XXXX XXXX immediately to set up payment arrangements to bring your account current before your next scheduled renewal payment is due. If this matter has already been resolved, please disregard this notice. Sincerely, Acima Credit XXXX XXXX XXXX XXXX This email was sent by Acima Credit LLC ) I respond.. I have made numerous responses, since XXXX to have you all CANCEL this contract & PICKUP your couches. PLEASE DO SO! If you all had respect, or customer service, you'd return a phone call or would of responded to the numerous requests I've made asking for " management '' to call me. Their automated response ... To Whom It May Concern : You have received this email because you requested a pick-up of the leased merchandise listed in your Lease-Purchase Agreement with Acima Credit. In order to initiate the pick-up process and discontinue payments on your account, please do the following : 1 ) Send pictures of all the merchandise to XXXX 2 ) Include all your contact information in the email Acima will contact you within 72 hours upon receipt of your email during the business week. If Acima initiates a pick-up, please be aware that you will be responsible to pay the Minimum Lease Term of 60 days, any Other Charges due ( as stated in your Lease Agreement ), and any past due balance of your account. Thank you for your business. Regards, Acima Credit -- Again, I only agreed to {$850.00}, over 3 months.. Not the harassment on my credit. The refusal to comply on their end. I'm not paying a dime more then {$850.00}, which I'm willing to do, the minute the company agrees to remove all the BULL XXXX from my credit. I still don't feel the need to even do that, when I, within my right to cancel requested this to be cancelled. But the companies refusal only shows their willingness to XXXX me, and what has to be others like me. PLEASE HELP!
03/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 27406	Web
On XX/XX/2021, I was approved online for {$3100.00} for a living room set and a King sized bedroom set. Upon arrival to XXXX XXXX XXXX, I was able to find furniture and set up an delivery for next day. On XX/XX/2021, my furniture was delivered. The store delivery men put my bed together very quickly and proceeded to leave this premises. I inquired about my mattress and the mirror to my dresser as both pieces were missing and was told they forgot it and would come back a few hours later to deliver it. Around XXXX, I received my mattress but no mirror. The delivery guy told me wait a few hours to sit on the bed as the mattress and bed needed to rest. I obliged and decided Id sleep in the couch for the first night. I called the store to tell them that my mirror was missing and they told me that it was out of stock. They would call me for pick up once they have it shipped. The night of XX/XX/XXXX, the very first night were actually slept on the bed, something felt extremely odd about the bed because it was sitting so low and with every movement the bed sounded like it was breaking. My husband and I checked behind the headboard and seen that the bed legs are so far out they looked to bent. I checked under the bed and sure enough all eight of the bed legs are bent significantly and two wooden support beams that were holding legs up were completely broken off. I took pictures of every angle and did not sleep on the bed after that night. XX/XX/XXXX, I called the store and told them what happened and they explained to me they can order replacement parts as they did not want me to be charged an return fee of 25 %. For the next 4 nights, me and my husband slept in our couch. I had not received any calls or correspondence from the company so I went to the store to speak with a manager. I was told the manager was not there and they would again order the parts and reach out. I was also advised that the legs may have been breaking due to my hardwood floors and that I should buy rubber leg grips for the bed. After leaving, I went to purchase the rubber leg supports for my bed. I went home and placed them under each of the eight legs, after doing so I sat down on the bed watching tv for a few hours and heard the bed creak again. The legs began to bend even further this time as if they were sliding. 2 additional days of sleeping on the couch, I made several calls to the company as to ask where was my replacement parts and was told once again someone would reach out. I called Acima credit to find out what they can help me as the store was not in any way shape or form communicating with me. I was told Acima couldnt help me with anything until XXXX XXXX reaches out to me. The next day I went back into the store to speak with a woman named XXXX. She expressed she doesnt know what is going on and another worker said, I think we have some in the back room. She proceeded to take us there and hand us the replacement parts and also our mirror. Once arrival to my home, we attempted to put the mirror up only to realize that it was the wrong mirror. I called the store and told them and they suggested we bring it back. Me and my husband began to put the replacement parts video recording every second of it. There was no drilling or alteration required as we put the parts on the screwed them in the exact same holes with absolutely no damage to anything of the parts or furniture. I laid on the bed and within a few hours I began to feel very uncomfortable. The center of the bed was sinking again and the legs were now bent drastically all over again. I reached out to resolution department at Acima again and was told they would request me to return the furniture. I received an email from Acima stating my furniture can be return without penalty ( stated in my lease ) and to take pictures of all of my furniture and send it to Acima via email and someone will reach out to me to schedule a pickup. The went to XXXX XXXX XXXX to find out how can resolve this. At contract signing, I was told by XXXX also as stated in my contract that I can return the furniture if there was any issue. This day, they refused to take it back and stated they can order more replacement parts so I can reenforce the bed myself. I told her I am not equipped to do such a thing and this would be the third set of replacement parts sent out. I reached out Acima credit again and verbatim explained was in my lease to Acima and XXXX XXXX. Acima told me are the current owners of the property but can now only offer a settlement because they do not have any pickup teams available in my area. If I except the terms, I would pay 2/3 of the full amount in 90days and it would report negatively on my credit as settled for lesser amount and I wouldnt be able to purchase from them again. Both companies breached their contracts with me. I havent able to sleep on my bed in over XXXX weeks.
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08104	Web
ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ACIMA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has provided false information to XXXX, XXXX, & XXXX
01/05/2023	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 XXXXX	Web
They responded to a previous CFPB complaint still suggesting they did not have enough information to identify that I have an account with them and then asked for proof that they're even reporting on my credit. I find these claims and requests not only ridiculously false, but extremely lazy. As mentioned before, I have provided them both in my letter to them and the previous CFPB complaint my name, dob, current address, social security number and the full account number to the account that was listed on my credit report. If they insist they still can't find any account associated with my information, then they need to delete and discontinue any reporting to my consumer report. I have attached all of the information AGAIN and this time included proof of their reporting to my consumer report as well as their haphazard response. My identifying information is attached to the " XXXX '' document since that's exactly how I sent the letter to them. On XX/XX/XXXX I sent out a certified letter ( tracking no. : XXXX ) notifying Acima Digital FKA SIMP that they were reporting inaccurate and incorrect information to my consumer report. They have a responsibility to report accurate information pursuant to 15 USC 1681s-2. The letter was recorded as delivered on XX/XX/XXXX. The letter was acknowledged as received by Acima on XX/XX/XXXX. Their response to my notification ( received XX/XX/XXXX ) is insufficient, incorrect and fraudulent at best. The cited 12 CF 1022.43 ( f ) ( ii ) Suggesting that I've already submitted a dispute and they satisfied the requirements of said dispute. I have never submitted a dispute to Acima or any of the major credit reporting agencies for this account. Furthermore, no form of debt validation has ever been delivered to or discussed with me, the consumer. That is a direct violation of the law and my rights as outlined in 15 USC 1692, 15 USC 1692g AND 12 CFR 1006.34. Their letter response continues to fraudulent suggest that I did not send enough information for them to identify what account I was referencing. That is not possible as I sent them a clear copy of my Drivers License, Social Security Card and recent utility bill. I did call Acima on XX/XX/XXXX with my identifying information to inquire about what was needed to send a letter to identify the account and a representative by the name of XXXX XXXX told me they could not give account numbers over the phone and to just send the letter in with my ID and social. That was not a good enough answer for me and I was able to find the full account number by looking on my credit reports and then I literally listed the account number at the very top of the letter I sent in directly above Acima 's address, you cant miss it. Then the cited 12 CFR 571.43 ( b ) and maybe they failed to read the whole thing but I will spell it out here : " ( b ) Exceptions. The requirements of paragraph ( a ) of this section do no apply to a furnisher if : ( 1 ) The direct dispute relates to : ( i ) The consumers identifying information ( other than a direct dispute relating to a consumers liability for a credit account or other debt with the furnisher, as provided in paragraph ( a ) ( 1 ) of this section ) such as name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ''. Let us also acknowledge that the law they cited is only listed under the Office of Thrift Supervision which is the primary federal regulator of all federal and state-chartered savings institutions across the nation that belong to the Savings Association Insurance Fund ( SAIF ). Acima does not fall under that blanket at all. I put you on notice for reporting inaccurate information to my consumer report and so far the response has been that they already dealt with this dispute ( False. I've never reported this account ), I did not send a enough information to identify the account ( False. I sent my License, Social and the reference account number ), and that they don't have to investigate because they believe the dispute relates to my identifying information? ( False. My notification that you are indeed reporting inaccurate and incorrect information to my consumer report does not fall under the " exceptions '' of 12 CFR 571.43 ). Acima is in direct violation of 15 USC 1681i ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information, 15 USC 1681i ( a ) ( 1 ) ( A ) ; Reinvestigation required, and Acima is clearly exhibiting willful and negligent non-compliance pursuant to 15 USC 1681o ; Civil liability for negligent noncompliance, which can and will leave them open to civil action. Just in case they resist a resolution here again, I will be sending a final Debt Validation letter today before I feel forced to seek the appropriate counsel to sort this out.
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11233	Web
To whom it may concern, On XX/XX/2020 I opened an account with Acima credit company. In the beginning I was make my payments online with no problem. After being furloughed from my job in XXXX of this year I called Acima to inform them and asked if I would be eligble to pause the account while I try to adjust my financial situation. They assured me they would pause the account and did not. When I saw they did not I called because I didnt want late payments they informed me even tho they told me they would pause my account that I was not enrolled in a program in XXXX to pause the account for their customers and now it had ended. From the point I was frustrated and wanted to close the account immediately and asked my options to do so. I was told to consider to make lower payments to keep theaccount. I called again in XXXX to find out how do I close the account and was told to return the furniture by sending pictures. I had to call again to ask them to have the returns department to contact me because they hadnt reached out and I am still being charged at this time. I recieved the email at the end of XXXX and began to communicate with the rsolutions department. On XX/XX/XXXX the department informed of the pictures they needed to approve the return. On XX/XX/XXXX I was able to send my pictures to be reviewed to the resloutions department. I also at this time filed a compaint with the XXXX XXXX XXXX to file a complaint of them not pausing the account. They informed me it woulld take 30 days for review. On XX/XX/XXXX I was informed to re submit the pictures as I had a cover on the matress I was trying to return. The bedframe was fine. I had called Acima the same day to inform them I had travled to look for a new place as I lost my job and would be leaving XXXX. When I returned I would send the pictures immedately because I would be moving in XXXX. When I returned I resent the pictures without the cover and they informed me they didnt rceieve them and I would have to resubmit my claim completely when they send me a new email. After calling again because I havent heard from the department they resent the request for pictures in XXXX XXXX XXXX I sent the pictures again and they now informed me of the 4 corners of the matress needing to be shown. I immedately in the same hour resent the photos with the matress showing all the four corners on the same day of XX/XX/XXXX. I called everyday to Acima after sending the pictures explaining that I would be moving and would need to return the furniture because I could not take it with me and needed to close the account. Everyday I was told they would call me the following business day. I was then tod it takes 3 days for them to erturn emails. On the XXXX of the XXXX I called again and asked why I havent heard from anyone and that I am still being charged. After explaining I filed with the XXXX they then only offered to pause the account while I wait for the returns department to contact me. I was also told by a agent at Acima that if I hadnt heard from them by this point that I need to resubmit the pictures because the dont have them. I did so the same day. The following day when I called Acima again from not hearing from the returns department I asked why? The agent called the department and informed me that they now pushed back my wait time even more and they wouldnt be going off the date from the XXXX of the month but the XXXX. Days before I had to move. I pleaded to call me. They were not understanding at all. XXXX XX/XX/XXXX after I had moved and left the furniture behind as I could not take it they called me. They explained that this journey of waiting was for me to be told to donate the furniture and to get a donation receipt for me to close the account. This ccouldve been done with the proper communication from their end. After speaking with a manger they offered me a settlement XXXX lesser then what they would offer normally. They informed me to close they account and dispute the late payments and when I finally paid the account I spoke with a manger ( XXXX XXXX and she told me all the notes would remain on my account and if I write my dispute she assured me it would be resolved. After paying my remaining balance I never recieved anyting that the account was closed. It is now XXXX and it still shows up on my credit report as open and late. I wrote a letter to Acima last month explaing my hardshis, the miscommunication on their end and explained I took the settlement and paid them and I ask them to delete the account and to stop reporting to the credit bureas inaccurately. I never recieved a call explaing my account was closed ever and the account is still reporting open.
02/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO 647XX	Web
In XX/XX/XXXX I purchased tires from XXXX XXXX XXXX and decided to use Acima Credit Financing because of the offer of 90 days interest free. I understood that I had 90 days same as cash and that I could pay it off early. This was all done online with the help of the sales person at the XXXX XXXX XXXX. The sales person got my information from me and typed it in himself on his computer. The sales person had me read the information on the screen and it was very confusing. The sales person discussed with me the 90 day financing and stated that if I didn't pay the amount off in 90 days there would be high interest on the money owed after the 90 days. So I did what anyone would do and hit a box on his computer screen that did a digital signature. My understanding and assumption was that Acima was like a credit card with a 90 day interest free period. At no time did I realize this was a lease. I made 3 scheduled payments of {$250.00} through automatic payments through my account on XXXX XXXX, XXXX XXXX, and XXXX XXXX. There were no issues with these payments. Additionally, I made a {$50.00} payment on the day I took out this financing. Then I made an Online payment to the company through their website of {$350.00} on XXXX XXXX. There was no confirmation number that I recall, just stated that the payment went through. On XXXX XXXX, I made what I thought was my final payment of what they said I still owed Online through their website of about {$370.00} again the only confirmation I got was on their page that said my payment went through. All of the payments went through with no issues except the last payment. All of the payments show up on their website when I login except the last payment. I put the payment through their site just like I had done the previous Online payment. I am not sure how the last payment managed to not go through. On XXXX XXXX I went Online looking for the receipt for my last payment and to show I had paid it off. When I logged into their website I noticed they showed I did not pay it off and that I now owed them {$1900.00} with early payoff being {$1400.00}. I called them to see what was going on. They stated that the one payment that I made of {$350.00} in XXXX was just an early payment for XXXX and XXXX and that's why I did not get an email confirmation. I told them these payments were not " prepayments '' but were to pay off the financing. I asked them why I was not getting receipts for the additional Online payments I made and they said it was all on their website, which it isn't. I asked them what happened to the {$370.00} I paid through their site and they claimed there was no such thing. It still has not come out of my bank account. However, the {$350.00} " prepayment '' has gone through my account. I acknowledged that the last payment had not come out of my account at this point and stated that I would attempt it again to pay off the loan. They said " NO '' and that I now owed the {$1900.00} because it was now past the 90 day promotion time. I told them I would only pay what was left and some interest. They told me that the contract was a " lease '' and they would come and get my tires. I asked them what happened to the almost {$1100.00} I had already paid. They stated again the contract was a lease and I now owe the {$1900.00} in addition to what I already paid. I told them this was a scam and that I wanted to talk with a manager. I asked the same questions to another person the " manager '' and was told the same thing. They threatened me with reporting this to my credit. I asked if there was any wiggle room to negotiate the amount. They again said I owed the {$1900.00} in addition to what I already paid. This went on for a while. I got nowhere. This seems to be a " legal '' scam because they call it a " lease ''. I made the last payment Online through their site of about {$370.00} and they did not run it through. The site said that my payment went through so I had no reason to question it. Now they want to stick me with the " lease ''. This is much more than the original loan. How can they get by with that? That would make my amount be {$3000.00} for tires. This is ridiculous. They did not run the last payment so they could make me pay the larger amount. With them stating that the {$350.00} payment I made in XXXX only counts as " prepayments '' for XXXX and XXXX automatic payments leads me believe they are trying to keep me from paying off the financing in the 90 days and did not run that last payment of {$370.00} intentionally. This kind of financing should be illegal and there are some questionable tactics taken by Acima Credit.
06/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32836	Web
Dear Sir or Madam, On XX/XX/XXXX, I purchased a Scuba regulator set including yoke, first stage, octopus and dive computer from XXXX XXXX XXXX in XXXX XXXX, FL. I have had a relationship with this shop for about 3 years. A few days before I asked a staff member for any short term credit options that were zero interest or same as cash and I was provided with information for Acima Credit. I filled out an online application for Acima was approved and a few days later went to the shop to pick up my gear. The staff member on site was unable to work the register for the Acima credit sale or provide me with a receipt or invoice before I left and due to our long standing relationship I was comfortable with working out the details with them later. Later that evening his colleague called me and sent me a link for me to sign the agreement with Acima and finalize the sale. The link took me to a webpage where I was asked to sign electronically and payment information was given. The payment information gave the dollar amount and a biweekly payment frequency and information about the total cost if I did not pay off the loan during the 90 day period. The link did not provide access to a draft of the full agreement. Acima is terming this transaction a lease even though it is clearly a point of sale financing as neither myself nor XXXX XXXX XXXX had any understanding that I would return the equipment to them at the end of a certain period. I image this is to avoid certain regulatory requirements if this transaction was correctly described as a financing for a purchase of goods. I was then asked to pay {$26.00} to complete the transaction. I assumed this was a downpayment and the webpage did not indicate otherwise. Only after paying this amount did I receive an email with a link from which I could download a copy of the agreement. They inserted my electronic signature into the document even though I had not seen it before this time. I was busy and did not access the website at the time. Yesterday, in scheduling my payment online for the credit card I used to pay this bill I discovered that Acima had initiated a cash advance and not a purchase charge for which XXXX XXXX had charged me an additional {$10.00} fee. To their credit, they reversed this charge, moved the {$26.00} from a cash advance to a purchase and removed the interest accrued since the charge. At this point I logged into the Acima website and discovered that the payoff amount that they had listed was {$1300.00}. The actual purchase was only {$1100.00} inclusive of {$70.00} Florida sales tax. Acima grossed up the sales price to {$1200.00} without giving any notice of why they were doing so or what other fees that they had rolled into the cost of the merchandise. They then charged me a {$25.00} prepayment penalty and tax of {$80.00} despite the fact that sales tax was already included in the original purchase. In total I paid {$170.00} in undisclosed fees on top of my original purchase amount of {$1100.00}. I spoke with an XXXX at Acima yesterday attempting to get this sorted out. His only response was that I had signed the document and everything was disclosed in it. As I have stated above the document was not available to be viewed until after I had already signed electronically and paid what I thought was a downpayment. This company is operating with deceptive business practices. They are not disclosing fees upfront as they are required to do by TILA or CCPA. They are also guilty of misrepresentation. I entered into this agreement because I believed it to be a 90 day same as cash financing offer Had the exorbitant fees been disclosed there is no way that I would have entered into any agreement with this company. I doubt that I am the only consumer that has been taken advantage of by their deceptive practices. Acima failed to fully and accurately disclose to me the terms related to the transaction, were misleading in the documentation process, hid critical terms, and deceptively added excessive additional charges in order to enhance profit. Clearly, Acima is engaged in fraudulent and misleading trade practices. Please investigate Acimas business procedures and take whatever punitive action that you deem appropriate. Also, please order them to return the {$170.00} in undisclosed fees to me as soon as possible. Attached for your convenience are the invoice from XXXX XXXX XXXX, the Acima agreement received after the fact, and the Acima receipt for payment in full. Let me know if I can provide any further help in your investigation.
08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20747	Web
i went to XXXX XXXX to purchase two black leather-like sectionals in XXXX XXXX i was told that they would be delivered two weeks later but only got them a month later. when they arrived, they were dry-rotten and damaged. i called to report the matter to the store manager located in XXXX Md. At the time, i was told that due to covid, they did not have anyone to come and take away the damaged furniture but in the meantime, we have to hold it in my home. we were not able to use the furniture at all because of the damage and i called again in XXXX to see if my furniture will be replaced. i was told by the manager that they are having a hard time finding my replacements. I was told that because of the matter, they will not start taking money from me until i get my furniture. By the time my sister passed away, i had to host the family with no where for anyone to sit and i had to rent fold up chairs for the family because the furniture took up my living room and could not be used. The holidays came and still no furniture yet by late XXXX, Acima started taking money from my account without any warning or replacement of my furniture. By the third payment in XXXX, i called and did not get a hold of the Supervisor of the store and the employees were giving the run-around. I also called Acima and did not get a call back though they claimed that they did call and never got a response By XXXX, I called again and towards the end of that month, i was told that they found a set for me. When it was delivered, it was the wrong sets entirely. Not even the same color or material. i waited another three weeks for them to come and get the wrong set because once again, they said that they did not have drivers to come and get the wrong set. Finally in XX/XX/XXXX i spoke to Acima, who by now had still been getting their payments. My debt at the time of purchase was just for roughly {$1200.00} for both sectionals which were about {$600.00} a piece. i was told by the employee on the phone that since i have had so much problems and issues with the purchase and also because i was being charged in XXXX of XXXX going forward, i should be done with paying for the furniture by the end of XXXX and at the latest early XXXX. i was being charged {$110.00} every two weeks and it was being drafted from my bank account because they say that is the only way i can make a payment to them. i asked about the 90 day rule and she told me that i have already paid a great deal and due to what has been going on, i iwill be paid in full which actually meant that i would have paid them a little over the overall bill. i got the replacement furniture by the end of XXXX as well. some time in XXXX, i was paying bills and noticed that Acima was still taking money out of my account unauthorized at this point because it is well past the paid in full point. i called Acima and someone in the accounts office told me that because i did not pay everything in full with cash in 90 days, they can collect money out of my account for the rest of the year. i asked to speak to several Managers with the understanding that someone will provide resolution and reimburse the extra money taken but i did not get a return call which i was told would happen by the end of that day. To date, Acima is still taking money out of me and i can tell that someone did go and review the account but in stead of stopping the payments, they readjusted the amount being taken and is now collecting that new amount out of my XXXX XXXX XXXXXXXX account. I am still paying for funeral costs and other emergencies and this money is causing a real hardship for me to take care of other important things like filling my prescriptions and putting food in the house for my family and my retired mother. please help me stop this very illegal practice and return my money that they have collected past the month of XXXX XXXXXXXX i will be sending a letter to my legal council and to my state representative as well as congress person for assistance if you are not able to resolve this matter. it is my belief based off of the attachments to this complaint that they are trying to collect twice from me or get me to pay what they approved me for when i only used {$1200.00} of the {$2700.00} that they initially approved me for but when the final bill of sale was first given they had a total of {$2900.00} they were trying to collect from me. i was constantly reassured that due to the furniture issue since XX/XX/XXXX that did not get resolved until XX/XX/XXXX, i will only have to pay what was on my bill of sale.
04/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web
I looked at my credit report and saw a mark from ACIMA XXXX FKA SIMPLE, I first spoke with XXXX, who said that he can not find my account before eventually finding it. I informed him that this account was not mine and that I wanted to file a formal dispute because I did not originate this loan and that it was done so fraudulently, he told me that I would need file a police report, I informed that I would like to speak with a supervisor, he said that there is nothing that a supervisor can do that he can't, I asked if he was rejecting my request to speak to supervisor as that is a violation if so, he then said that he would, but began asking questions to try and help me. He informed me that the lease was done for I phone 's and he asked me about a XXXX XXXX XXXXXXXX, I informed that I have one but that I purchased it through my cellular provider and that I pay for it monthly through them. I also informed that I had a previous account with them where I paid everything on time. He said that he will get me with a XXXX, and then placed me on hold. He then came back to the line and hung up. He did not inform me that the call was an attempt to collect a debt at any point in the call. He used the last 4 of my social and DOB in order to find the account. I called back and spoke with a woman, who did not listen to a word I said from the opening of the call, I completely explained the situation, primarily that I wanted to comply with reporting the fraud to the police but that I needed more info in order to effectively do so, given that in order to file a fraud I would need to know the place where the fraud occurred so that I could contact the nearest police department, she responded saying that if it is a fraud that I need to file a police report ... She also mispronounced my name after I had just told her my name which was a nice touch. I requested a XXXX at this point explaining that laws have been violated on there end and that I would be filing a complaint through the CFPB. At this point I spoke XXXX, who claimed to be a supervisor, He said that the woman I spoke with had explained to him what was going on and asked me to further elaborate, I asked what part he needed further explained and he began to go into telling me again that I would need to file a police report, I again explained that I need more information for filling the police report, being that I work in the industry and am very familiar with the process of a consumer being able or not able to file a report given the lack of information. He said that he can not provide me with information about the account in my name because I told him that it was a fraud. I asked how I could report the fraud, if he was not going to give information about the fraud, he said that company policy was to not tell me information, I explained to him that XXXX had already given me information so either he violated company policy, or he ( XXXX ) was lying. He talked over me at several points, was condescending and sarcastic as well. I then asked if I could get the location where the loan originated and he claimed that he could not give me that, and that I needed to contact the credit bureau in order to obtain that information and also said that it is on my credit report, both are not true. He said that he will flag the account as fraud, but said that it does nothing until I e-mail them a copy of the police report. I then asked for the psychical address for the business and refused to give it to me. He then asked me for my e-mail and told me that he could not tell me why he was asking only that it was company policy. He provided me an e-mail to send the police report and when I asked about a formal dispute he provided a po box after recommending that contact the Credit Bureau. Several violations of the FDCPA & FTC took place in both calls, and honestly it is not my intent to get anyone in trouble, but for someone to be able to use my information as fraud, while I am in the process of shopping for a home and this being the process is ridiculous. I want this removed from my credit immediately. XXXX
11/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 370XX	Web
To Whom It May Concern, I believeand stand behind when I say this " company '' Is violating my rights when it comes to the Fair Credit Reporting Act 1681s-2. They are reporting information that is inaccurate and failing to report information correctly. I have requested the following and been denied : Name and Address of Alleged Creditor. Name on File of Alleged Debtor Alleged Account #. Address on File for Alleged Debtor. Amount of alleged debt. Date that this alleged debt became payable : Date of original charge off or delinquency. Was this debt assigned to debt collector or purchased. Amount paid if debt was purchased. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Furthermore Here is my story to help validate my reasoning.I had paid my collection account off with ACIMA back in XXXX of XXXX. I was told by the ACIMA RepXXXX that the account was paid off, after negotiating a comfortable pay off price and paying the negotiated price. The account was removed from my credit, on all 3 bureaus. On XX/XX/XXXX we went to our bank to apply for a mortgage loan, when we were told that ACIMA was causing us to be denied. They had apparently closed the account in XXXX, and reopened it in XXXX of XXXX saying we owed them {$1000.00}. It also stated that the account had been past due since XXXX of XXXX. Which makes no absolute sense. I called ACIMA twice to try and figure this alleged debt out, and ask for more information. The three ACIMA representatives I spoke with were very rude. They would not let me speak, kept talking over me when I was trying to ask questions or trying to explain myself. They would not send these things I asked for to insure the alleged debt. I asked for and was denied the following : A debt validation letter sent in the mail containing my signed signature agreeing to pay the alleged debt, the original business where the alleged debt was acquired, and any supporting information they had to support their claim that I owed them the alleged debt. After being treated with the worst customer service, and spoke down on, the representative I was speaking to said " If we were to close out an account, and reopen it without contacting you that would be fraud. '' Which is exactly what ACIMA did, they closed the account in XXXX when I paid the negotiated amount to pay off the account, then it was reopened 3 years later saying we owed them the alleged amount of {$1000.00}. Furthermore, after ACIMA reopened this account they made no attempt to contact me letting me know. So now over 4 years later I have found out about this alleged collection debt and it has ruined my credit. After trying multiple times to figure out what had happened, the representatives with ACIMA have made it very clear they will not help me nor will they give me any of the information I need to validate this alleged debt. I HIGHLY DO NOT RECOMMEND doing any business with ACIMA. They are trying to get away with this and have threatened to take it out of my income tax refund, without my approval. I have reported this to the credit bureau, but the Representative made it very clear he would get the money. I feel violated, taken advantage of, and very disrespected. Then after doing further research on the ACIMA customer portal I indeed had paid this off! There was a set 90 day purchase price of a little over {$600.00}, and after doing some math it showed I had paid that. Along with the negotiated pay off price I paid in XXXX, which ACIMA has no clue where that payment went. They also have my account listed as closed and paid in the customer portal. They did not have my correct Social Security number listed on the collection account, and when I called and gave them my correct S.S. number they couldnt find the account.I hope you can use the information I have provided to you to help stop these frauds before they do it to more people like me who have been working really hard to build their credit.
10/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93401	Web
On or about Wed XX/XX/XXXX I received a text message from XXXX at XXXX XXXX XXXX in XXXX XXXX XXXX, CA regarding a denial of my application for financing from Acima credit. XXXX advised me my finance application with XXXX XXXX XXXX was denied due to a late payment on another account I had with Cal Deals furniture through Acima. The Acima representative disclosed my personal financial information regarding my additional financing account with Acima with another merchant, XXXX XXXX, in XXXX XXXX XXXX. These merchants are separate entities. I called Acima and spoke with a supervisor to file a complaint. On XX/XX/XXXX, I received another text from XXXX at XXXX XXXX XXXX stating she called Acima and a representative again disclosed my personal financial account information regarding my CalDeals account with XXXX and advised her my account with XXXX XXXX was now paid off. On or about XX/XX/XXXX, I called Acima credit regarding ongoing issues I was having with the quality if the dining set I purchased and requested assistance from Acima in finding a resolution. The set I purchased was damaged on delivery and 2 chairs and the bench were returned to the company for repair or replacement. The bench was replaced, however the chairs continued to break repeatedly and were repeatedly sent back to XXXX XXXX XXXX. On XX/XX/XXXX I spoke with a Supervisor XXXX XXXX XXXX who stated he would remove XXXX from my balance and I agreed to pay off the account in 2 installments of XXXX on XX/XX/2020 and XX/XX/2020. He failed to state this was a settlement offer or that it would impact my credit rating. He sent me a receipt via email on XX/XX/XXXX after I made the payment that stated I agreed to a " settlement. '' On XX/XX/XXXX I checked my XXXX Credit report and discovered Acima negatively reported my payment history as " settled for less than the full amount. '' My Fico score decreased points. I called acima and spoke with XXXX who transferred me to XXXX. XXXX stated that the payoff was a settlement and I received an email to that effect and " The information is available online in my customer portal. I advised my customer portal states to call Acima for account information and no information is available. I advised him that they were engaging a misleading and deceptive business practices. I requested my credit account be updated to reflect it's correct status as paid as agreed. I have paid this account timely. XXXX advised me the account would not be updated unless I cancelled the settlement. I agreed to cancel the unauthorized settlement on the condition I would pay the amount that was quoted to me at the time the settlement was offered which equaled XXXX XXXX XXXX additional dollars that was subtracted from my balance by XXXX ) to be paid in full on XX/XX/XXXX. XXXX reiterated. '' would you like to cancel the settlement? '' I confirmed. He immediate cancelled the settlement and then stated my new payoff was XXXX instead of XXXX. He then advised me my account would accrue XXXX daily until the scheduled payoff date of XX/XX/XXXX. He refused to give me a payoff quote. The resulting interested results in an additional XXXX dollars in addition to the XXXX quoted to me today for a total of XXXX. I ended the call and called back and spoke with multiple representatives who refused to answer my questions, give me account payoff information or transfer me back to the resolution department to resolve the issue.I was told they would call me back within 3 days and now they could not guarantee the settlement amount. The resulting outcome for me as a consumer are the the following : Two unathorized disclosures of my personal financial information to a third party without my consent by Acima, damaged merchandise retuned to the merchant and not replaced. and negative reporting on my credit report for a current account due to misleading and decpetive business practices by Acima Credit
12/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MI 482XX	Web
On XX/XX/XXXX I purchased a XXXX washer and dryer from XXXX XXXX XXXX located in XXXX Michigan. It was quickly determined by the driver that the dryer was defective. The dryer did not get hot and smell gas coming from out of the vent. I immediately asked them to reconnect my dryer back up but the driver left. After smelling gas I immediately called out XXXX XXXX they came out right away check my line and found out that there was nothing initially wrong with my gas line but checked out the dryer and detected that the gas was leaking inside of the dryer and coming out of the vent. The dryer was not getting hot. I called XXXX 's appliance and was told to disconnect the vent line from the back of the dryer and allow the dryer to run for about 30 minutes which would allow carbon monoxide pushed into the house. The XXXX tech said it could be done he went outside to pull up the report I ran back outside because at that point I could smell gas again the tech came back into the house and immediately turned back off the gas line check the line again and said that there is still nothing wrong with my line. Again check out the dryer and He determined again that the gas was leaking inside of the dryer and coming out of the vent from back of the of the dryer. At that point then disconnected my gas line capped off my gas. I called XXXX while the XXXX tech was still here he spoke with the person called coach XXXX of which at that point the tech told coach XXXX the dryer was defective. I spoke with coach XXXX who told me that at that point they would get someone out by the name of XXXX their tech check out the dryer and by at least Wednesday no later Thursday and if possible they would have to call XXXX and have them to deliver me a new dryer. On Tuesday the tech called and stated at that point he wanted to come out and pick up the dryer where he would best be able to work on it at the store where he would be able to find out where the leak was and he would have coach XXXX call me back of which on Wednesday I did not receive a call I after coming home I called coach XXXX told him what the tech said he was going to call me back I did not receive a call back. I came home on Thursday called the store ( XXXX ) back and at that point still did not get any resolution to the situation. I called XXXX and told them after speaking with the Acima rep that there would be no need for them to pick up the dryer because Acima was canceling the transaction due to the defective dryer .More dishonesty from Acima . Now I'm very frustrated so on Friday I called Acima told them that I still wanted to cancel this transaction and I did not receive all of my appliances because I had ordered a counter-top microwave of which I still do not have. On the same day I spoke with Amica I received a text from the XXXX driver stating they were there at my house to pick up the dryer. I reply to him stating I don't know why when I am at work. I have expressed to XXXX I work and do not get home until after XXXX XXXX several times. I was told on yesterday by XXXX they were going to pick up the dryer and drop off a temporary one without any notification. More dishonesty. I will not be taking delivery or going to the store to pick up any microwave because I did not order a built-in microwave. Acima as yet to address to this issue. The concern I am getting from Acima is there is a schedule payment coming up. Or I can keep the dryer for a discounted price. This is unacceptable. Acima had me thinking they were going to pick these items up by having me send pictures of these items twice and wanted them a third time stalling for time closer to a payment and they never had intended to ask for their money back or cancel the transaction. XXXX never intended on giving me a new product or calling XXXX.
02/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78753	Web
XX/XX/XXXX I went to a furniture store called XXXX XXXX XXXX in XXXX, TX Around the the date of XX/XX/XXXX. I was sitting on some couches as they were helping my Daughter who had bought some furniture, a employee gal by the name of XXXX approached me and stated that the store had a deal going on for 6 months no interest the price of the couches were {$3400.00} with Tax {$3900.00} with a 5 year warranty included. I put {$1000.00} down with a remaining balance of {$3000.00} she told me the payments would be $ XXXX/month for 6months I agreed to this term 6 months no interest. I haven't to this day received a signed contract from XXXX XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was going through our business account and noticed that XXXX XXXX has continued to take money for my account even after our 6 months as we agreed with XXXX XXXX XXXX. On XX/XX/XXXX I went to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX TX XXXX and spoke with the owner XXXX XXXX in person.I advised XXXX XXXX about XXXX XXXX and that neither XXXX XXXX XXXX or XXXX XXXX ever gave me a contract of my 6 month no interest.I advised XXXX XXXX that on XX/XX/XXXX I received a call form a gentleman just wanted to know if I was receiving my couches on that day and I stated yes, but I was informed later that same day that my furniture would come at a different date and that XXXX XXXX XXXX would contact me when the furniture arrived at the store which XXXX XXXX XXXX did call me that the furniture had arrived days after our agreement. XXXX stated that XXXX was a new employee at the time and that she didn't know that the 6 months no interest wasn't available at the time.I advised XXXX that I only agreed to purchase the couches based on the 6 month no interest and that I was cear that I didn't want to pay interest.He told me to contact XXXX XXXX XXXX directly since they financed the couches and to let them know what had happened.XXXX. XXXX also stated he has had numerous complaints from clients about XXXX XXXX XXXX also known as XXXX XXXX about not sending customers contracts and charging clients double the amount agreed. I contacted my bank about the withdraws and they gave me the number to call XXXX XXXX XXXX since I had no info on XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX and advised them of my situation and the gentleman that I talked to told me he couldn't do anything since I had signed 12 month lease and that the loan was for {$6600.00} and I signed a contract with a code number they sent me. I told him I never received a contract from XXXX XXXX XXXX or XXXX XXXX XXXX only my receipt for the {$1000.00} down and the balance of {$3000.00} He was no help so I requested to speak with his supervisor XXXX in which see refused to give me her last name due to security reasons. I told XXXX my situation and she stated she couldn't do anything that my balance was still {$1000.00} that I had signed a contract by a text code sent to my cellphone and that my signature of the contract was by a text message.I have never heard of such a thing she also stated hat they had emailed me a copy to my email in which they had an incorrect email. I corrected my email with XXXX XXXX XXXX. I demand a refund of the extra money withdrawn from my account in the amount of {$3500.00} and I demand that XXXX XXXX XXXX report to all 3 credit Bureau 's that we are in good standings and that we paid in full as agreed. I don't know if sending a code number as a legal way of signing contracts.If it's even legal or not but not providing a contract before using a code is also not legal. I would stay away from doing business with XXXX XXXX XXXX and XXXX XXXX XXXX.
01/03/2023	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 XXXXX	Web
On XX/XX/XXXX I sent out a certified letter ( tracking no. : XXXX ) notifying Acima Digital FKA SIMP that they were reporting inaccurate and incorrect information to my consumer report. They have a responsibility to report accurate information pursuant to 15 USC 1681s-2. The letter was recorded as delivered on XX/XX/XXXX. The letter was acknowledged as received by Acima on XX/XX/XXXX. Their response to my notification ( received XX/XX/XXXX ) is insufficient, incorrect and fraudulent at best. The cited 12 CF 1022.43 ( f ) ( ii ) Suggesting that I've already submitted a dispute and they satisfied the requirements of said dispute. I have never submitted a dispute to Acima or any of the major credit reporting agencies for this account. Furthermore, no form of debt validation has ever been delivered to or discussed with me, the consumer. That is a direct violation of the law and my rights as outlined in 15 USC 1692, 15 USC 1692g AND 12 CFR 1006.34. Their letter response continues to fraudulent suggest that I did not send enough information for them to identify what account I was referencing. That is not possible as I sent them a clear copy of my Drivers License, Social Security Card and recent utility bill. I did call Acima on XX/XX/XXXX with my identifying information to inquire about what was needed to send a letter to identify the account and a representative by the name of XXXX XXXX told me they could not give account numbers over the phone and to just send the letter in with my ID and social. That was not a good enough answer for me and I was able to find the full account number by looking on my credit reports and then I literally listed the account number at the very top of the letter I sent in directly above Acima 's address, you cant miss it. Then the cited 12 CFR 571.43 ( b ) and maybe they failed to read the whole thing but I will spell it out here : " ( b ) Exceptions. The requirements of paragraph ( a ) of this section do no apply to a furnisher if : ( 1 ) The direct dispute relates to : ( i ) The consumers identifying information ( other than a direct dispute relating to a consumers liability for a credit account or other debt with the furnisher, as provided in paragraph ( a ) ( 1 ) of this section ) such as name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ''. Let us also acknowledge that the law they cited is only listed under the XXXX XXXX XXXX XXXX which is the primary federal regulator of all federal and state-chartered savings institutions across the nation that belong to the XXXX XXXX XXXX XXXX XXXX XXXX ). Acima does not fall under that blanket at all. I put you on notice for reporting inaccurate information to my consumer report and so far the response has been that they already dealt with this dispute ( False. I've never reported this account ), I did not send a enough information to identify the account ( False. I sent my License, Social and the reference account number ), and that they don't have to investigate because they believe the dispute relates to my identifying information? ( False. My notification that you are indeed reporting inaccurate and incorrect information to my consumer report does not fall under the " exceptions '' of 12 CFR 571.43 ). Acima is in direct violation of 15 USC 1681i ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information, 15 USC 1681i ( a ) ( 1 ) ( A ) ; Reinvestigation required, and Acima is clearly exhibiting willful and negligent non-compliance pursuant to 15 USC 1681o ; Civil liability for negligent noncompliance, which can and will leave them open to civil action.
06/01/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27606	Web	Servicemember
I went to get my car fixed at a business in XXXX, NC. The price jumped on me when unexpected issues was needed to fix my car. That price climbed up too {$1300.00}. I was offered by the mechanic working to the company Acima. I applied and was accepted. As soon as I was accepted I took the it and I was able to get my car fix. That was the 1st email I received confirming the transaction and at the bottom a link to the lease contract was their but was unavailable after that day and the lease was not on the website either. That day I contacted Acima credit whom I was never able to reach on the phone but through a chat that disappears afterwards hiding the conversation from the customer. I told them I was doing the 90 day buyout and I was not paying for 12months. My payment method changed and I began to pay the 90 day rate per month. XXXX was the month Of the 90 days. It is required to do auto payment I was told and they deducted from my account. On XX/XX/XXXX I received an email saying insufficient funds on my account. I reached out to the company on the instant message chat to make a payments to finish the buyout and was told I could no longer do that. Even though I was paying the rate of the early buyout plan. In the conversation I was told I couldnt do it and to look at my lease which I never had access to at all!!!! After messaging the guy explaining how it was a rip off to need {$1.00}, XXXX but be charged {$2400.00}. After arguing with the guy over not paying he said that I could pay on XX/XX/XXXX and I could buyout on the XXXX amount. He than recanted saying I cant. I ask for a manger which said my payments did not go through but I wasnt notified about it until a month later threw the 6th and finally email ever received. I feel like i wasnt notified to push me into the 2nd buyout paying 35 % of the total amount. I asked for her supervisor which after discussing with her how I felt she told me I could do a settlement if I payed the remaining of the {$1300.00} and that I had until XX/XX/2019 to decide. She said that after doing the settlement that they would report it to XXXX as a settlement essentially putting my credit score in jeopardy. I called back to ask for documentation to overview the settlement offer over the weekend, speaking to a new women because I was told the supervisor was busy. She said I couldnt be provided any documentation and that I had to decide on the settlement that very moment on the phone on XX/XX/2019 and not be given the weekend to think over even though the she was a manager and the supervisor had told me something different. I was given no documentation to look at. The manager told me that manager and supervisors have the right to change the settlements offers whenever they want. After hearing that I knew something was definitely wrong and said I will call Monday to speak to The supervisor. Before Monday during the weekend Im writing this complaint. I finally received my lease on XX/XX/2019 after having to request it several times and read the foolery that Leasing contract is. This has to be illegal or unethical to charge people these amounts with the lack of communication to customers and misinformation from employees as well as a horrible website that does not provide the lease contract to be seen. I was misguided and lied too from several employees on multiple aspects regarding my lease on my options to pay and employee agreements. The lease agreement is a ploy How can you rent rotors for my car?? How can you rent maintenance labor that added to the price of my payment e?? Its a scam and a lie to play customers by getting threw the system.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43219	Web
To whom it may concern : I received a statement from your company requesting of a payment from in the amount of {$4700.00}. I am willing to pay off this account in the full amount of {$4700.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by ACIMA DIGITAL FKA SIMPLE to XXXX XXXX. I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the XXXX On the public and private side showing accounts receivable and payable. I need clarification as to why you are reporting certain information on my credit report. Please review the account. You have my account reporting as Charged off to the credit reporting agencies, restricted in app, yet you report a monthly payment? Delete this account immediately for inaccurate reporting or reopen my account and report as paid. The FCRA and Regulation V violations include the following : ( 1 ) Respondent failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) 2 ), 15 U.S.C. 1681s-2 ( a ) X2 ) ; ( 2 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA {$620.00} ( a ) X5 ). 15 U.S.C.1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to modify or delete information disputed by consumers that Respondent found to be inaccurate, in violation of the FCRA 623 ( a ) ( 8 ) NE ) and 623 ( b ) ( 1XE ), 15 U.S.C. S 1681s-2 ( a ) ( 8 ) NE ) and ( bX1 ) ( E ) ; ( 4 ) Respondent lacked reasonable procedures to respond to notifications from CRAs indicating previously furnished information was the result of identity theft and therefore must be blocked from an identity theft victim 's credit report, and reported information to CRAs after consumers submitted identity theft reports at the address specified by Respondent for receiving such reports without subsequently knowing or being informed by the consumer that the information was correct, in violation of the FCRA 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ; As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per 15 USC 1681n ( a ) ( 1 ) ( A ). As far as actual damages, I have suffered denials due to excessive chargeoffs per ACIMA DIGITAL FKA SIMPLE and Credit reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If ACIMA DIGITAL FKA SIMPLE and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached.
01/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33624	Web
On XX/XX/2022, I went and applied for financing at XXXX XXXX in XXXX, Fl. I was approved for financing through a company called Acima for their leasing. On XXXX XXXX, the furniture was delivered and assemble. I contacted XXXX XXXX concerning the furniture as some items were damaged and some items were not working correctly. XXXX XXXX created a ticket number for me and advised me that a technician would come out to review the items. On XXXX XXXX XXXX requested photos of the items and issues in question. I submitted the photos as per their request. On XX/XX/XXXX, I contacted Acima at XXXX, and asked what my options would be concerning returning the furniture. At which time, the representative stated that XXXX would advise that they received the furniture and I could pick out another set. I asked about having to repay an initial payment, to which the representative stated that I would not. I contacted XXXX XXXX on XXXX XXXX requesting that I return the furniture and try to find another bedroom set. On XX/XX/XXXX, XXXX XXXX had still no approved my return. On XXXX XXXX my return was approved and the earliest the furniture could be retrieved was XX/XX/XXXX. On the XXXX, The furniture was retrieved and i spoke with a representative in customer service who stated that Acima would be contacted and made aware of the return so I would not be billed. Acima was made aware of the retrun items and did not process the return and lease cancellation until the XXXX of XXXX After attempting to draft my checking account for {$480.00} dollars causing the account to overdraft and be billed an nsf fee {$29.00}. I contact Acima concerning this and spoke to XXXX in " Resolution Department '' concerning the overdraft fee. XXXX quite eloquently stated that there's nothing they can or will do. I asked to speak with someone that would help like a manager. XXXX stated that it wouldn't make a difference as she would tell you the same thing. I asked to speak with the manager regardless and was placed on hold. After being hung up on, reaching back out, and waiting XXXX minutes, I spoke with someone that was able to transfer me to a manager and also advised of XXXX 's name. The company does not have any additional identifier so I could not get an ext or last name for XXXX but did verify he was the only XXXX in Resolution Department. I spoke with XXXX who is a manager of " Resolution Department '' who advised me that there was nothing they could do. They had a signed Lease on file prior to the return that authorized them to pull the funds out of the account regardless if I had returned the furniture since the return and cancellation of lease was not processed until after the billing date and on the XXXX of XXXX She also stated that I did not speak with Acima , Until the XXXX and there are no records of me calling prior. Which is a blatant lie. She stated that She was not going to do anything further. I asked for an extension or other identifier and she stated that I was already advised of that by the previous representative. I stated I wanted to make sure and XXXX stated I heard you ask my previous rep that question so you already knew that. Acima " Resolution Department '' was extremely rude, and decided to bill an account even though XXXX XXXX received the bedroom set on the XXXX, notified Acima and they decided to take until the XXXX to process and even if that was not the case, instead of treating a customer with respect and actually assist, they were just rude and pompous.
05/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20782	Web
Good day, Sir/Madam. I have a complaint about Simple Acima XXXX , an Overstock financing company. Last XXXX XXXX , my husband and I applied for a financing for a sofa which we bought from XXXX here in Maryland. That time, we were approved an {$800.00} loan and we signified that we will pay off the loan within 3 months by deducting from my husband 's bank account in a biweekly basis. They had his information so we trusted them to deduct as soon as possible because we did n't to incur any interest because we wanted to save money. In XXXX , we went back to XXXX because the financing have not deducted yet. They said that we can call the financing company to clarify. I called but failed to contact them on that day because it was already late. It slipped my mind to call again the next day because I was busy with work. In XXXX , they started to deduct the amount of {$120.00}. I thought everything was okay now since they finally started our payments. I just wondered why they had only taken $ 125 monthly and I thought maybe after paying {$800.00}, they will stop deducting. Today, I checked my husband 's account and they were still deducting and it worried me because they have already taken a total of {$1100.00} from him! So, I called them to clarify why they have taken so much already. The man who answered said that we signed a contract to pay off in 1 year! I told him that this is ridiculous because I ca n't remember my husband signing this contract. Have we known, we would have paid off the amount sooner so that we can avoid the interest. So, we went back to XXXX to clarify again. The manager asked us if we were able to pay off the amount in 3 months. I said, " I do n't think so because this financing company is only taking {$120.00} from my husband every month ''. He said that it is our responsibility to check on our payments so I told him, '' the payments are automatically deducted from my husband 's account ''. He also informed us that if the amount is not paid of in 3 months, the financing will automatically make it payable in 1 year! I told him we did n't know this and that our plan, the one we submitted, was biweekly for 3 months deductions. He then told us that we should have done something because we signed a contract. I asked for the contract but he said that the financing sent it to us via email. I looked for it in my email but did n't see any contract from Simple XXXX . The only email we got is an Approval notice of {$800.00} and that we have to pay {$130.00} every month. There was no mention of the number of months to pay it off and no interest rate was ever stated on it. I 'm writing this complaint because I feel so bad to pay an interest which is even higher than my principal loan. Instead of paying {$800.00}, we are now supposed to pay {$1700.00}. This is ridiculous! We work hard to earn money and what they are doing is stealing, cheating and taking advantage of people who have no knowledge of this situation. This financing Simple Acima has deliberately delayed our payments and did not deduct the amount we agreed upon so that they can make money out of innocent consumers like us. We ca n't pay anymore. Please do something. May XXXX have mercy on these people who make easy money out cheating others. If they were just transparent with agreement, I would n't have felt this bad. Thank you for making consumers your concern. XXXX speed!!
10/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL 35007	Web	Servicemember
On XX/XX/2021 I shopped at XXXX XXXX in XXXX, Alabama. During that visit I purchased a XXXX Diamond Bracelet ( Item 1 ) and a XXXX Diamond Wedding Band ( Item 2 ). The merchant represents Acima Credit and offers their leasing service with 90 day buy out option. I elected to use that option to purchase both items. As my wife tried on Item 1 at the jewelry counter, I observed that the clasp was broken. The salesman was notified of the issue. They stated that they ( XXXX XXXX ) would send the item to be repaired. The salesman also stated that the item would be available for pick up on XX/XX/2021. I was then presented with the " Acima Lease Agreement '' and a " Delivery Receipt '' on the salesman 's tablet. I signed the lease agreement, but prior to signing the delivery receipt confirmed verbally that it was for just Item 2. On XX/XX/2021 I returned to the merchant to pick up Item 1. The merchant stated that they did not have it. I asked them if it was still being repaired, which they affirmed. The merchant never called me to report that Item 2 had completed repair. I visited and called the merchant at least once per week for the next 6 weeks. After nearly 6 and a half weeks of attempting to collect the property from my purchase I contacted the Acima Credit customer support phone line on XX/XX/2021. I spoke with XXXX ( Last name XXXX ) and gave him the details of the situtation. I then requested that Item 1 be removed from my lease, with the money paid applied to Item 2. I informed XXXX that I wanted to continue paying Item 2 off. He referred my issue to the Acima Resolutions team. On XX/XX/2021 I received a telephone call from XXXX with Acima Resolutions who also informed me that the call was recorded. I gave her the details of the situation, and when I explained I had never received Item 1, she agreed that " changed everything. '' XXXX placed me on hold while she contacted the Merchant. When she returned, she stated that " XXXX '' from the Merchant claimed I had in fact picked up Item 1, bringing it back later for repair. I emphatically denied this, and reiterated that I had never taken possession of Item 1. XXXX stated I would be contacted again by Resolutions. Subsequently, within minutes of being contacted by Acima, the Merchant called to notify me that the item had been found. I have not gone to the Merchant to take possession of the item due to this dispute, and informed Acima that I wished to terminate the lease. After that initial conversation, I have received multiple emails from Acima Resolutions. I have explained the situation multiple times, and have requested a termination of the lease per " Paragraph 9 '' of the Lease Agreement. P9 states, " You may terminate this Agreement at any time without penalty by returning the Property in accordance with our directions. '' However, Acima has refused my request to terminate the lease, and have refused to provide me with information on where to send Item 2. Acima states that partial returns are not accepted, and that both items must be photographed and returned by me. I reminded them that I do not have possession of Item 1 and that they should contact the Merchant. On XX/XX/2021, XXXX from Resolutions stated that all further emails should be sent to Acima Collections. I believe this to be dishonest business practice in breach of contract.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22315	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX dept of education , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11510	Web
On XX/XX/XXXX I walked into XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NY XXXX with {$3000.00} in my pocket book to look for and buy a bedroom set for my new home. Mind you I had just left XXXXXXXX XXXX furniture store where I was able to apply and get a credit card and purchase some living room furniture for 0 % interest. I have very good credit. So I walked into XXXX XXXX looking for a bedroom set. I saw 2 bedroom sets that I liked. One was for {$2000.00} and the other was for {$3000.00}. In discussing with salesperson XXXX I mentioned that all I had in my pocket book was {$3000.00} and somehow the fact that I was closing on my home in a few days was shared. I ended up walking out of there with my {$3000.00} still in my pock book and having deposited {$230.00} via debit card on the {$3000.00} bedroom set. I was told that I should get the furniture on credit interest free for 3 months with automatic payments and only after the 3 months would I start paying interest. It sounded good to me! I figure out that my payment was {$260.00} to be paid biweekly. I was told something similiar at XXXX except that it was 6 months interest free and my payments were monthly. Nothing seemed odd at the XXXX XXXX. I got so busy with moving and school and work and family that it did not dawn on me until XX/XX/XXXX that I did not get an ACIMA Credit credit card in the mail like I did with XXXX XXXX and I didn't even know what my interest rate was. I googled and called them up to find out about my interest rate and for the first time I learned that this was a LEASE and I would be paying the {$530.00} per month for 1 whole year. So with my down payment {$230.00}, my delivery fee {$150.00} ... in XX/XX/XXXX when I finished paying for this furniture I would have paid {$6700.00}. {$3700.00} more than the purchase price. I was in shock! I couldn't believe that I allowed myself to be conned into taking out a lease so I can pay 2 times the agreed price for a bedroom set. I don't mind paying an interest for the 'credit ' they were offering but I did not go into the store to lease furniture. The salesperson was very cunning and succeeded in convincing me and my husband to take the more expensive funiture on 'credit '. I feel scammed, taken advantage of, conned, misled, lied to, tricked among other things. Why is their name ACIMA Credit? Why isnt it ACIMA LEASE? This is misleading and unfair to consumers and the company preys on innocent consumers like myself. Today before I made my complaint I googled reviews and could not believe how many people were scammed and are still being scammed into leasing furniture. They are predators on consumers and predatory lending is what they do. I want to feel comfortable sleeping in my bed but I cant the way I feel about how I was misled. ACIMA Credit needs to have better practices so consumers are more aware of what they are getting into. I called again today and voiced my feelings and XXXX told me something about a contract I signed. I am like what contract? I remember signing a tablet I could hardly read the print was so fine. I received no printed copy nothing. i should have known something wasn't right. The salesman was very nice but what he is doing to cobsumers is not.
03/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94804	Web
In XXXX of 2019 I went into contract with Acima for new tires from XXXX XXXX XXXX XXXX ... I have always had a great payment history. In XXXX of 2019 Acima debited my account early for monthly payment. I had not yet moved my .money from one account to the other. As a result of the unusual activity my bank froze my account. Now it just so happens that I had transferred all of my monies to that account which was now frozen due to unauthorized debits. I called acima to inform them of the chaos they caused and they acknowledged and admitted to the early debit apologized and corrected the debit date. Due to the early debit/ unusual account activity.my bank account was frozen for 60 days!!!! No money in ... no money out!! This really caused an economic hardship and my financial situation to spin out of control.i was not able to pay ANY BILLS or creditors and incurred late fees with other creditors. As soon as my account was unfrozen I contacted ALL my creditors and brought my balances current ( including ACIMA XXXX AFTER bringing balances current I pulled my credit report and saw ACIMA had the audacity In the midst of this debacle acima caused by debiting my account early to report a late payment on my credit report. I disputed the item explaining the situation to XXXX and providing supporting documentation. XXXX reported back that Acima verified the late payment as valid. I called acima and requested them to remove the late payment due to the payment being late because of them debiting early and triggering security issues with my bank initiating a freeze on my account for 60 days which disabled me from paying them or anyone else. I was given the run around and told that I had to contact XXXX to do that. I told them i already did that and XXXX directed me back to acima since they are the ones who report the information. They give me problems every time I call they tell me someone will call.me in three days.. no one ever does. I recently paid off the remaining balance on my account with them just to be done and end the business relationship. I received confirmation of the payoff to only later be told by acima that I still owe {$200.00} plus dollars this was the final straw and what has lead me here to file this complaint as I am and have been being consistently having my rights violated. They are now making HARRASSING calls to my phone to collect money that is not owed to them my account is paid off. I received an email confirmation which stated my account was paid off. I printed the page out of both payment confirmations. I thank XXXX I did because after speaking with acima and them telling me I still owe {$200.00} plus something dollars. And me requesting to speak to a supervisor and XXXX telling me someone would reach out to resolve issue in 3 days. That was over a week ago and no one has reached out. While filing this complaint and going back into my emails to screen shot the email from acima which states my account has been satisfied ... the email is NOT there.. there are no emails from acima ... ACIMA RETRACTED THE EMAIL WHICH IS WHY I AM ATTACHING A PICTURE OF THE CONFIRMATION OF PAYOFF THAT I PRINTED FROM MY INBOX AS SOON AS I RECEIVED IT IN XX/XX/XXXX.
11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89148	Web
I am disputing the 30 Day Late Payment for XXXX 2020 that is being reported on my XXXX Credit Report, The account name is ACIMA. The reason for my dispute is because I never agreed to start the loan in was never 30 Days Late because when I went to XXXX XXXX XXXX to purchase an appliance package for approximately {$9500.00} all I did was I fill-out a 90-day no-credit-check loan application on XXXX. Since I was only approved for XXXX the amount. I left XXXX XXXX XXXX XXXX telling them that it's unfortunate but I don't have the difference to go through with the transaction. Two months later, on XXXX XXXX, 2020, I went back to the store hoping to make the {$9500.00} purchase by paying 1/2 of the {$9500.00} to XXXX XXXX XXXX and getting the loan for the other XXXX from ACIMA. The good news here is that that's exactly what happened, but the bad news is that ACIMA charged me a {$50.00} application fee on XXXX XXXX, 2020, and reported that to XXXX as a payment. XXXX shows that I made a payment on my credit report for XXXX and XXXX and missed " XXXX by reporting me 30 Days Late for XXXX 2020. It is very simple explanation on what happened but neither ACIMA or XXXX XXXX XXXX will take the blame for what happened here and my credit is whats suffering. Ive tried for over a year and a half disputing this and the results have been the same over and over again. The dispute remains the same. I am hoping that whoever is reading this, I cant explain it any more clearly than this : I never agreed to start the loan process from ACIMA in XXXX of 2020, no matter what XXXX XXXX XXXX XXXX says, I did not received the appliances in XXXX or XXXX because I never had the money to pay the difference. It wasnt until XXXX 2020 that I paid the difference to go through with the deal and it even shows on my credit report that ACIMA received a payment in XXXX but you also show a 30 Day late Payment for XXXX 2020. Like I said, that should not be because I never agreed to go through with the deal until XXXX 2020 and like I said did not receive the appliances until I got the money to pay the difference and go through with the purchase in XXXX. I finally figured out what happened, XXXX XXXX XXXX received approximately of the {$9500.00} from ACIMA in XXXX 2020 when I got approved for the amount, but as said I never agreed to go through with the purchase because I did not know if I could come up with the difference. It wasnt until XXXX 2020 when I got the money and went back to XXXX XXXX and paid them directly the difference that I went through with the transaction. I never agreed for XXXX XXXX XXXX to take the money from ACIMA in XXXX and I didnt even know that XXXX XXXX XXXX took the money from ACIMA in XXXX. Thats the whole mix-up! This is exactly why I should not have a " 30 Late Payment for XXXX 2020 on my credit report. Please remove this negative Item from my credit report ASAP as I have been trying for over 1 years to apply for a new mortgage loan and this is causing me serious financial hardship. I need a Rapid Rescore so my mortgage lender can approve me for the best interest rate before the rates start going even higher!
07/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : ACIMA CREDIT FKA SIMPLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
12/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
THE COMPANY ACIMA XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY, AND I, HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. ON XX/XX/XXXX MY ALL CAPS NAME ENTERED INTO A CONSUMER CREDIT CONTRACT UNDER 16 CFR 433.1 ( i ) WITH XXXX XXXX XXXX XXXX, WHO IS THE SELLER DEFINED UNDER 16 CFR 433.1 ( j ) NOT, THE NATURAL PERSON. I USED MY CREDIT CARDS AS DEFINED UNDER 15 USC 1602 ( l ), AND UNDER 16 CFR 433.2 PER MY SIGNED CONTRACT AS THE DEBTOR I AM NOW ASSERTING MY RIGHTS THAT THE CONTRACT IS FRAUD BECAUSE IT WAS PAID WITH THE INSTRUMENTS LISTED ABOVE. ANY ATTEMPTS TO COLLECT A DEBT THAT HAS ALREADY BEEN PAID IS A VIOLATION OF 18 USC 8 BECAUSE OBLIGATIONS ARE OF THE UNITED STATES. ACIMA XXXX XXXX XXXX, IS NOW THREATNING ME WITH AN ALLEGED DEBT THAT THEY CLAIM I OWE, WHICH IS FALSE, UNFAIR, AND DECEPTIVE UNDER 16 CFR 433.2. THIS ORGANIZATION IS IN VIOLATION OF 15 USC 1681b ( a ) ( 2 ) THEY DID NOT AND DO NOT HAVE PERMISSABLE PURPOSE TO INFRINGE UPON MY RIGHT TO PRIVACY TO FURNISH A CONSUMER REPORT CLAIMING THAT I OWE AN ALLEGED DEBT THAT I DO NOT OWE UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), AND CAUSING DAMAGES, AND INJURIES TO MY NAME, REPUTATION, AND CHARACTER AS A NATURAL PERSON. The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress, in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681a ( d ) ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
09/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Pawn loan	Improper use of your report Reporting company used your report improperly	FL 33023	Web
ACIMA DIGITAL is furnishing incorrect and inaccurate to the consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and housing purposes. This inaccurate reporting has damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As defined by the IRS Duty : A Moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact Prohibition : a law or regulation forbidding something As defined by The IRS Even if you did not receive a form 1099-C, they must report canceled debt as GROSS INCOME on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. By definition, The IRS clearly states a charge off is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 S-2 states that, Acima, are a furnisher of information to a reporting agency. They are PROHIBITED BY LAW to furnish inaccurate information. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The lender must file Form 1099-C and send me a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency or other applicable agency as stated in chapter 1. The above paragraph is taken directly from The IRS 2021 publication. They have not sent me a 1099-C that they should have sent when they filed the account as a cancelled debt. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused myself and my family harm due to your negligence and inaccurate reporting.
06/16/2021	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	TX 77040	Web
XXXX XXXX XXXX XX/XX/XXXX Credit Dispute XX/XX/XXXX Credit Dispute : Acima Merchant On XX/XX/XXXX A lease agreement was signed for XXXX. Payments were made to the merchant and though the epidemic of Covid 19 I endured hardship and struggled to stay afloat. However, I continued to make my payments and consistent as possible. Toward the end of the last few months of my lease Acima reported XX/XX/XXXX balance {$810.00} Paid XXXX XX/XX/XXXX while taking my payment and seems to have created many inconsistences around the time I attempted to settle in full of good faith. Exhibit D which contradicts Exhibit C payment history. XXXX was reported and reflected with {$160.00} balance and paid {$440.00} on XX/XX/XXXX which contradicts Exhibit C payment history from my banks. In the month of XX/XX/XXXX, I logged into the portal and clicked on purchase lease which would allow me to pay it off and be set complete. Mind you as I was struggling, I just wanted worry about owing any other monies and with good faith completed my lease in full. 10 days ( about 1 and a half weeks ) later I received an email saying I stilled owed monies so I called in on XX/XX/XXXX and had a lengthy conversation with representative and he insisted I owed more monies ; I asked the amount which he explained to me {$160.00} and that would wrap up my lease in which I paid again. The following week I received a text message that an ACH draft of XXXX was completed out of my XXXX XXXX XXXX account. I was not very please but I choose to let it go and hope that even if it were extra money taken out, I would surely be completely paid off. Mind you, I had every intention of paying in full however with the misleading of the amount owed and multiple times trying to set complete I was completely frustrated while dealing with trying to keep my lights on and food to feed my kids. I have enclosed print out of payments to confirm my statements, lease contract and the printout of the reports done by Acima. Prior to this I have made several attempts to make this amicable. All attempts have fails dispute this being the 4th lease that I had back-to-back in which case I paid all in full and never had an issue prior to this incident. I disputed this with XXXX Report number XXXX. Spoke to XXXX on XX/XX/XXXX they could only go based on what the merchant says and recommended me to go to higher level to rectify this. On XX/XX/XXXX XXXX sent me an email saying my dispute results were that it remained. I XXXX XXXX with good faith have and paid them in full and the collections and late mark are wrong, and I would like this removed from my credit. It has been a hard year for my family via COVID 19 and we have struggled tremendously but I assure you that the merchant has not had an empathy and more so after my good faith and ethical actions of paying them they have impacted my credit and have hurt me on top of the recovery from this epidemic. All I ask is to make this right and hope for your decision to be in my favor. Sincerely, XXXX XXXX
07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 560XX	Web	Servicemember
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. are financial institutions by definition XXXX XXXX XXXX under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. are the financial institutions and the XXXX XXXX XXXX consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an XXXX XXXX XXXX explanation of how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise XXXX XXXX XXXX.my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I have been paying this debt as it is taken directly from my paychecks. I need these off of my credit report asap This is a third party collection agency whom I have no obligation to.
11/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
Unless ACIMA CREDIT can show me state law or company policy that superseded federal law Im invoking my right as a federal protected consumer and natural person to dispute this billing with federal laws According to 16 Cfr 433.3 You are not exempt There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from ACIMA CREDIT that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. The billing statement I received by ACIMA CREDIT on XXXX/XXXX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 15 U.S.Code 163XXXX ( b ) ( XXXX ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done ACIMA CREDIT can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If ACIMA CREDIT reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. ACIMA CREDIT as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by ACIMA CREDIT will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for ACIMA CREDIT for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX I received feedback after sending a debt validation request to Acima Credit LLC on alleged debt I Do not owe. they in returned responded with a deceptive form stating that I owe an alleged debt. 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They have violated my rights as a federally protected consumer. Acima has communicated with me indirectly on my credit report. This has violated my right as a consumer too privacy congress has said so pursuant to USC 15 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ACima has stated that they are not a debt collector and that these consumer laws does not apply to them Pursuant to USC 15 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such Alledged debts. This debt is not mine .. For the purpose of section 1692 ( a ) ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.Acima has also hassrased with this conduct as well as pursant to USC15 1692 ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : see attach statement they used ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also 15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt ; in the letter it states the character amount allegedly as {$1800.00} Allegedly on the credit report it states {$1800.00}
10/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 208XX	Web
On XX/XX/2021, I met a man through a dating app site who turned out to be a scammer. He successfully scammed me of all my savings and had me max my credit cards. In addition, he had open a payday loan and a lease with XXXX XXXX XXXX. The loan with XXXX XXXX for a cash price of {$700.00} plus interest was a total of {$900.00} was reasonable and I was able to pay it off after he ghosted me. However, the loan from XXXX XXXX XXXX opened on XX/XX/XXXX is a nightmare. It's through Acima lease with a cash price of {$3900.00} and cost of lease service at {$4600.00}, making a total of {$8600.00}. They used to take {$170.00} from my account every week and they opened this credit line for me with the knowledge that I did not have a job or any means of income. I called Acima on XX/XX/XXXX, once I understood that I had been scammed to let them know about the situation and that I had to report to the police. I was advised to send the police report, which took weeks, and on XX/XX/2021, when I finally got the report I sent it to Acima. On the XXXX of XXXX, they wrote me saying they did not consider it fraudulent based on the report, therefore I was still responsible for the loan. I responded to them the same day asking for help with the lease and advising them that I had no income coming in as unemployment checks were going to stop coming in, also gave them the option of telling the store to go get their products back as they have the vehicle information. The response I got on the XXXX of XXXX was to dispute it on XXXX, which I did today XX/XX/2021 and still waiting on their response. Eventually, On XX/XX/XXXX, I had to block them from my bank account as I was not allowed to remove my account from autopay. Because I blocked electronic checking, they used my debit card ( did not realize they had that information, I believe it was when I had to pay the {$56.00} fee when the account was open ) on XX/XX/XXXX, to charge my account making it go red, which defied my reason for blocking them in the first place. So I am currently disputing that with my bank submitted XX/XX/XXXX, which has made my account current for now and had my debit card blocked as well, as we speak they are still trying to charge it every single day since XX/XX/XXXX and got my bank thinking my card was stolen and blocked my card on the XXXX of XXXX. When this man pressured me to open this account, I did not think the lease will be opened giving that I did not have a job, equity, or investment but, they did open it anyway with the scammer at their store and myself at home. I did the signature online and had to pay a {$56.00} fee for some reason. At the time, I felt that this man was going to pay this lease and give me back all the money owed. So far I have paid them {$1500.00} and, I am at my wit 's end cause at the moment I am XXXX and can not work ( still waiting on XXXX application ). I have absolutely no way of paying this lease, this is more than 100 % interest just for some wheels!
09/02/2022	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 30238	Web
I have worked with Acima several times and I have no complaints until now. On lease XXXX. I paid them off in 90 days and was NEVER LATE. The last payment I made was on XX/XX/XXXX. My bank, however, processed the last payment I made to them as a check and charged me several fees regarding that transaction. I used a Credit/Debit card to complete the transaction. I called Acima and told them about the problem they assured me that They did not process it as a XXXX XXXX XXXX and told me that I would have to dispute it with my bank. Per their instructions, I disputed the information with my bank about how the final payment was made. This opened up a long and unnecessary process with acima where they tried to make me pay more on a lease that was CLOSED. I spoke with several of the managers with Acima and XXXX XXXX because Acima was saying that I didn't finish off paying them because the last charge was in dispute status. I explained to them that I advised my bank, XXXX XXXX, that the charge was valid and therefore did not receive anything back from the payment I made to close the account. I was advised by Acima Representatives that this was part of the dispute process and as soon as they finish up with the Bank that they would fix all the information concerning the dispute that they advised me to begin. In the process Acima kept charging my accounts that were on file I had to call again and speak with another manager in XX/XX/XXXX and was advised that they would notate the account and whatever payments that were made would be refunded and to take the account off autopayment so they would stop hitting my accounts. I followed their instructions and then they began trying to send the account to collections. I had to call in XXXX and speak with one of the higher-ups in the company by the name of XXXX who advised me that as soon and the chargeback was won and closed between them and my bank that they would still honor the XXXX payment close we agreed to which I closed in XXXX. It took until XX/XX/XXXX for the claim to close ; when the claim closed I had to call them AGAIN because they began trying to send the account to collections. I had to advise the agents to check the notes and see that XXXX already said once the chargeback was over they would honor my history and payment closeout date which was XX/XX/XXXX. They had to do something called a " hard close '' and manually close the account and told me that it would take 7-10 days for the account to reflect my history. However as of XX/XX/XXXX Acima is still reporting that I was late paying my lease off with them. I have disputed this XXXX with XXXX and they are claiming that Acima is saying that I was late. As a consumer I have the right to a credit report that is 100 % accurate and this account isn't reflecting correct information and is damaging my score. Also Acima is stating that I have " poor lease performance '' even though I've closed the majority of my leases in XXXX NEVER being late.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 208XX	Web
Dear Sir/Madam, I am writing to bring to your attention a serious matter of identity theft and the subsequent fraudulent actions taken by unknown individuals using my personal information. I am a victim of this crime, and I request your assistance in resolving the issue promptly. On XX/XX/XXXX, I discovered that my personal information, including my name and Social Security number, had been unlawfully used to open an account with XXXX XXXX XXXX without my knowledge or consent. The initial charge associated with this account was {$5000.00}, and it was opened in XX/XX/XXXX. I have taken the necessary steps to address this situation by filing a complaint with my local police station, and they have generated a police report that serves as evidence of the identity theft. Additionally, I have reported the incident to the Federal Trade Commission ( FTC ), which has initiated an investigation into the matter. I have attached copies of the police report and FTC complaint for your reference, which was sent to the FTC via certified mail with return receipts. I expect that these documents will aid in expediting the resolution of this matter. To compound the issue, the account with XXXX XXXX XXXX was subsequently sold to Acima, a debt collection company, without my consent or prior knowledge. The current outstanding balance on this account is {$5200.00} as of XX/XX/XXXX. I request that you take immediate action to rectify this situation by removing this fraudulent account from my credit report. Furthermore, I have recently discovered another fraudulent account on my credit profile, opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This unauthorized account carries a negative impact on my credit score, with an associated amount of {$440.00}. I request that this account be promptly removed from my credit report as well. Despite having provided all relevant documentation and information to support my claims, I am disheartened to observe that over two weeks have passed, and these fraudulent accounts have not yet been removed from my credit report. This delay has severely affected my ability to obtain new credit, secure a vehicle, and even find suitable housing. I kindly request that you take immediate action to investigate this matter thoroughly and ensure the removal of the fraudulent accounts from my credit report. Additionally, I would appreciate your assistance in notifying all relevant parties involved, including XXXX XXXX XXXX, Acima, and XXXX XXXX XXXX XXXX XXXX about the fraudulent nature of these accounts and the necessity for their immediate closure. Please find attached the certified mail receipts, police report, and FTC complaint for your perusal. I trust that you will treat this matter with utmost urgency and resolve it promptly. I eagerly await your response and appreciate your cooperation in rectifying this distressing situation. Thank you for your attention to this matter.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35806	Web
Dear Acima Digital, I am writing this letter for the second time to express my deep frustration and concern regarding the persistent presence of the account [ Account Number : XXXX ] on my credit report. The continued inclusion of this account is significantly impeding my ability to obtain a mortgage, and I demand its immediate removal from my credit history. As I explained in my previous correspondence, securing a mortgage is of paramount importance to me. However, the existence of the account [ Account Number : XXXX ] on my credit report casts a shadow over my creditworthiness and jeopardizes my chances of obtaining favorable mortgage terms. I can not overstate the urgency and gravity of this situation. I find it utterly unacceptable that despite my prior written request, Acima Digital has not taken any action to address this matter. Your inaction demonstrates a disregard for the severe consequences I face and raises serious concerns about Acima Digital 's commitment to customer service and ethical business practices. I demand an immediate and definitive resolution. Acima Digital must take swift and decisive action to remove the account [ Account Number : XXXX ] from my credit report without further delay. The impact of your inaction on my mortgage application is untenable, and I hold Acima Digital responsible for any adverse consequences that may result. It is your responsibility, both legally and ethically, to ensure the accuracy and fairness of credit reporting. I demand that you fulfill this obligation promptly, recognizing the urgency and the detrimental effect your actions are having on my financial future. Failure to comply with this demand will leave me no choice but to explore all available legal avenues to seek redress. I will not hesitate to report Acima Digital 's non-compliance to the appropriate regulatory authorities and pursue legal remedies to protect my rights and financial well-being. I expect an immediate response to this letter, confirming your commitment to resolving this issue and providing a detailed plan of action for the removal of the account [ Account Number : XXXX ] from my credit report. Transparency and clear communication throughout this process are essential. Given the time sensitivity of my mortgage application, I anticipate a swift and satisfactory resolution within [ specify a reasonable timeframe, such as 10 business days ] from the date of this letter. Your urgent attention and proactive measures are crucial in rectifying this situation and restoring my confidence in Acima Digital 's commitment to customer satisfaction. I demand a prompt resolution to this matter, demonstrating your dedication to correcting the harm caused by your previous inaction. I expect nothing less than a swift and comprehensive response from Acima Digital. Sincerely,
07/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Im disputing Acima Credits inaccurate records identifying me as delinquent to which they reported me late, negative and a charge off. My arrangements with Acima Credit in XXXX of 2020 was interrupted to which Acima Credit charged an unauthorized {$1000.00} via cash advanced, it was not set up correctly nor did the communicate this would happen, we disputed it and received credit for it and had my credit card company recharged the {$1000.00} back to Acima who claimed they never received it, Attached records show otherwise, which would have closed the account before my 90 days same as cash ran out and we would had paid off the furniture in full, but Acima Credits business practices caused me to look as if I did not make any payments, thus reporting me delinquent and negative after a few months of their lack of communication not notifying me either by phone, email or mail that my account was going to collections and or charge off. I had no clue this was going on. The intent was to pay this off before the 90 day ran out to avoid the high interest. How I found out was, due to COVID-19 my payroll was cut by 25 % and I had to look at other options to survive and went to try to refinance my home and found out I was denied because of the negative reporting by Acima Credit, this was devastating to say the least. Once I found out what had happened I couldnt bare the fact to express my frustrations to Acima Credit. I had asked my wife XXXX XXXX who is a 4 time XXXX survivor to speak for me and connected with Acima Credit to dispute the credit reporting and their poor record keeping. Acima found more errors on their end and settled with us on XX/XX/2020 to close out our account and show PAID IN FULL. ( letter attached ). Still their accounting is all over the board with inaccuracies on reporting statements. This last dispute with them in XX/XX/2020 was discussed with Acima credit because after my arrangements to settle on payoff for {$990.00} in XX/XX/2020, their lack of communication not explaining to me then that my account was in collection. The appalling thing is Acima Credit charged my credit card for {$1000.00} just days before my arrangements for the {$990.00} and said nothing about it which if I paid the {$990.00} Acima Credit would have received {$2900.00}, the furniture is not worth the amount paid. After a long hard dispute process, and although we now have closed the account and Acima Credits negative credit reporting on me has tarnished my lively hood and wellbeing and caring for my wife XXXX. I called Acima to get this resolved and their comment was we can not change it, youll have to dispute it with the credit bureaus. Their unfair business practices to gouge more funds from me, is unacceptable.
09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ACIMA DIGITAL FKA SIMP failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. ACIMA DIGITAL FKA SIMP Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. ACIMA DIGITAL FKA SIMP Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
03/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90621	Web
Complaint No : XXXX Lease No : XXXX Acima Credit is falsely presenting themselves as the original creditor in this leasing agreement and the debt is being incurred from XXXX XXXX XXXX. This is in response to the statement that Acima does not identify as the original " creditor '' or that " consumer credit transactions '' does not apply to them. Well the credit was extended to me so someone has to the be the original creditor in this agreement. I am pointing out XXXX XXXX XXXX as as the original creditor for this Acima leasing agreement because of the signature I see signed from the original lease agreement through a XXXX representative. Also because of the notion that Acima is saying consumer credit transactions don't apply to them and they are not the original creditor. I am filing a complaint to both companies for failing to disclose in the original leasing agreement that the debt is in fact incurring from XXXX XXXX XXXX and using false pretenses to hide the fact XXXX XXXX XXXX is the original creditor in this leasing agreement under the Acima name. ADDITIONALLY, I'd like to defer the federal violations from the previous complaint to Acima to XXXX XXXX XXXX as they are identified as the original creditor of this lease agreement. If I have reason to believe XXXX XXXX XXXX is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605. In the original leasing agreement with Acima Credit ( or XXXX XXXX XXXX, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima ( or XXXX XXXX XXXX ) is evidence of this violation. Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of XXXX percent of the total amount of credit extended.
11/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20904	Web
Acima Credit is committing an intentional tort against me via fraud and deceit. Currently, I am a victim of fraud and identity theft due to the negligence of this creditor. On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX. Acima credit works closely with this company providing credit to consumers. I was offered credit with Acima at the time of purchase contingent upon receipt of the furniture. On XX/XX/XXXX XXXX XXXX was contracted to deliver the furniture to my residence and did not follow through with the delivery. To no avail, I went back and forth with XXXX XXXX in an attempt to receive the merchandise I paid for. Following a brief period of irresolution, I filed a complaint with my credit union disputing the charge to my bank account. On XX/XX/XXXX, my credit union determined via an internal investigation that my dispute was valid. This was due to a lack of response and no provision of supporting evidence on XXXX XXXXXXXX XXXX behalf. Since the aforementioned incident, Acima credit is intentionally reporting fraudulent information to XXXX, with an intent to harm, for a debt in the amount of {$1600.00}. This debt is invalid and should be discharged as a result of the non-receipt of the merchandise purchased. I contacted Acima credit directly via written letter on XX/XX/XXXX informing them of the discrepancy and the creditor is blatantly refusing to discharge the invalid debt from my credit report. Acima has taken it upon themselves to steal my personal information, which was originally provided to XXXX XXXX 's furniture at the time of purchase, and is intentionally supplying fraudulent information to XXXX with the direct intent to damage my credit. Included in the letter to Acima was exculpatory evidence of the original dispute documents filed to my credit union, and the credit union 's response validating my dispute following their investigation. Upon receipt of this evidence, which would be found admissible in a court of law, the creditor is still refusing to discharge the fraudulent information from my credit report. Please find attached with this complaint more exculpatory evidence aligning with the details of my complaint against Acima credit. In the email from Acima offering me credit on the date of purchase, please note that the document clearly states the burden of proof confirming the delivery and receipt of furniture is the responsibility of Acima. This creditor was negligent in their dealings with XXXXXXXX XXXX and did not do their due diligence. They are using my personal/sensitive information to commit a crime against me with no intent to provide resolution.
09/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33161	Web
My car had to undergo repairs at a shop in XXXX, Fl around XXXX of this year 2018. The store recommended, because of the amount of the cost for the repair, to get approved by a company who will do the financing, ACIMA from Utah. Those people immediately called me and started sending me text messages for me to sign the " agreement '' OVER MY PHONE. They were giving me just minutes as deadlines to get the ball rolling and be able to take my car from the shop. Unfortunately, and due to the pushing and the deadlines, I did that and signed over the phone, without being able to read the " Agreement '' in its entirety. I had to leave the country on XX/XX/2018 and returned last XX/XX/XXXX due to a family issue ( death in the family ), and to my surprise, yesterday I received a call from ACIMA, telling me I was behind on the XXXX and XXXX payments because they were unable to pull the payment from the Card on file. My bank account got hacked during my trip and because of my circumstances abroad I didn't have my new card which was sent to my home in USA, and didn't even think about that payment coming out of my card either, but once I explained that to the person who contacted me yesterday, I asked him, just by chance, what was my payoff. That company is a total ripoff, they charge usury charges that are in the range of 100 % or more annual interest. The original amount being supposedly " financed '' was {$390.00} Dollars. they had me pay {$53.00} at the beginning, to them tell me that amount was " added '' to the " lease '', and that they are not " financing '' but " leasing the debt ''! Once I got back home I went online and was finally able to read the whole " agreement '' I was forced to sign over the phone without having a chance to read it. As per their agreement, the total amount I would pay if I waited 12 months, will be {$800.00} + dollars. That is more than a 100 % interest rate per year, which, as per my understanding, is illegal and a crime in the US based on usury practices! I spoke to a supervisor over there at ACIMA and she told me that if I had paid the whole amount back on XX/XX/XXXX ( just a week ago, and while I was abroad ), my payoff amount would be in the range of the {$400.00} 's dollars.I had paid them {$220.00} already, on a debt of {$390.00}, yet they are pretending to charge me {$75.00} dollars for not paying off on the XXXX, plus {$50.00} more for not being able to pull both payments, plus I am not sure what, for the total above or more! So that's where I am standing and I refuse to support those usury practices and pay those outrageous amounts.
02/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 117XX	Web
Hello, my name is XXXX XXXX and about a year ago I bought a bedroom set furniture from this store called XXXX XXXX they basically are similar to a XXXX store but have other items in which you need to have a contract for. I am not fluent in english at all ( In fact my niece is writing this for me as she knows English and is also a XXXX graduate ) so what they explained to me and what I later found out was in the contract don't match up. They basically told me that I had a period of 90 days in which I could pay a lower amount ( {$1200.00} ) for the furniture and it would be mine, if the 90 days passed I had to pay a higher price ( {$2500.00} ) making a payment of about {$47.00} dollars per week. I made an initial " downpayment '' of {$1100.00} which meant I had only {$150.00} left to pay then for the next four weeks ( clearly less that 90 days ) I made payment of {$48.00} dollars which even left me with a surplus of money of about {$40.00} but I didn't mind because that meant the furniture was mine and I no longer had to pay. However they kept making me pay claiming taxes and interest. I honestly did not count the payment and once added up, up until now I've paid {$2500.00} which exceed the original payment and also should not be with interest as it has not been a year ( they told me interest build-up after a year ). I also last month got a letter from acima, a debt collector, that told me I owed about the same amount of money and that I never made an initial downpayment. They contract also keep contradicting itself in many parts and is not accurate to what I was told. They made me sign the contract and 'translating '' the document to me, but I didn't know I was signing a contract for debt collection and money stealing so they scammed me out of my money. I don't wan na continue paying for something I've payed more than enough money for and when I made contact with XXXX XXXXl they told me it was not their problem and I should deal with acima which makes no sense as I was never informed of this. I spoke with acima and they told me to ask XXXX XXXX about this debt because they have to collect it. It makes no sense and XXXX XXXX tells me the only other way to solve the money issue is for me to return the furniture as it was like-a-lease which again they never told me it was that. Basically both companies have me going form one to the other without providing me a clear answer. This is no fair and I don't wan na seek legal help as I can't afford it. I honestly just want to not have to pay any of these companies anything, they can keep the money they've stolen.
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 452XX	Web
On XX/XX/XXXX, someone stole my identity and used it to apply for credit with ACIMA. The credit request was approved by ACIMA for credit in the amount of {$5000.00}. ACIMA failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, ACIMA prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, ACIMA relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. On XX/XX/XXXX, I checked my credit report with XXXX to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. On XX/XX/XXXX, I contacted ACIMA and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that ACIMA will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, ACIMA has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly ACIMA has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report ACIMA needs to " investigate '' the clear fraud. Further, the lack of due diligence by ACIMA is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.
06/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33903	Web
On XX/XX/XXXX I purchased a livingroom set and tv stand for {$1600.00}. I applied for credit at that time for an agreement of {$70.00} weekly. This was a loan through Acima. Early pay off of the loan meant I would avoid any interest in extra interest. I entered this agreement knowing that we would have the money in time to pay this off as soon as we had money from our closing. We closed on our home in XXXX RI the week of XXXX XXXX. I then received a wire for the proceeds within a few days of closing. The date I called on XX/XX/XXXX to request pay off amount through Acima Credit. I authorized payment in full from my XXXX XXXX account {$1000.00} which is what I was quoted as being my balance. This money withdrew from my account on XX/XX/XXXX. This was the last I had dealt with this obligation and understood my loan to be satisfied. On or about XX/XX/XXXX ( YES XXXX ) about 3 months later, I received a call from the collection department at Acima Credit. They stated my account was in arrears over {$1000.00}! I question the person on the other end thinking someone had stolen my identity and that I was dealing with an internet scam of some sort. I was very very confused and hurried up and changed passwords. This person stated that I had missed one of the Payments of {$70.00} and that the loan after I paid the {$1000.00} didn't satisfy my loan obligation and that due to their cycle and accrued interest I know owed this astronomical amount of money. I had the weekly payments being paid from another account out of state and when I had called up for the pay off I assumed that the amount she was giving me was including all payments. But from the discussions, I have been explained to that I am being held responsible for a line of credit in which I didn't take hold of. IN my mind I have satisfied the loan. If the representative didn't give me the correct amount of the pay off how is that my responsibility? I will be more than glad to pay the {$70.00} that was not disclosed. however, ACIMA wants over {$1200.00} or my furniture to be returned. I am concerned that this will affect my credit and I am nervous wreck they are going to seek legal action. Please help. I have requested help from the supervisor " XXXX '' that was not agreeable and did not have the capacity to pull phone calls and or take corrective action to reverse the charges I had incurred and let me just pay what I originally owed. The way Acima wants me to pay is that I pay almost double for the furniture I originally bought.
07/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30052	Web
My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!
01/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77377	Web
On XX/XX/2018, I placed a furniture order for 2 King Bed Sets, 2 Dressers, 2 Mirror & Nightstands, a Queen Bed w/ Mattress Set & 2 King Mattress Set from XXXX XXXX in XXXX XXXX Texas off the XXXX XXXX. The Salesperson " XXXX '' told me that we should receive the complete order the week of XX/XX/2018. The following week passed by ... I received the 2 King Bed FRAMES with matching dressers, mirrors & nightstands but NOT the Queen bed frame, mattress set or dresser. I then followed up with " XXXX '' asking about the status of my remaining order. He then told me the remaining items were on back order and he was waiting on the order to arrive at the store. Two weeks past by AGAIN and still no furniture. At this point, we're 3-4 weeks in and my daughter doesn't have a mattress or bed to sleep on when she arrives from College for the XXXX holiday. After continuous calls to XXXX XXXX, talking to XXXX and not receiving my remaining furniture from them, I called to cancel the remaining furniture. I immediately went to XXXX XXXX XXXX, ordered the Furniture & received financing from XXXX XXXX for the remaining furniture since my credit account was tied up with Affordable Furniture. I was advised, until my dispute with XXXX XXXX XXXX were resolved, I did not have access to my credit line. I disputed the amounts with both XXXX XXXX ACIMA because I didn't know the TRUE charge amount on either account. Due to my disputes, the merchant ( XXXX XXXX ) falsely submitted TWO DIFFERENT invoices to XXXX & ACIMA. One invoice ( Not originally given to me ) was submitted with NO ITEMIZED AMOUNTS in the description BUT listed the amounts charged to XXXX ( {$2800.00} ) + ACIMA ( {$2400.00} ) and the second invoice listed the itemized amounts [ prices ] to the side of the items ... .including scratching out the items that I NEVER RECEIVED/WERE CANCELED. I NEVER RECEIVED THE 2ND INVOICE! ... but it was submitted to XXXX like this! As a result, the XXXX account dispute was confirmed and awarded to the merchant! : /!!! However, the items that were scratched out is what I was charged for by ACIMA. I continued disputing the amount with ACIMA but after a few months of going back & forth, ACIMA closed the dispute, awarding the merchant ... even though I didn't receive the items ... which were scratched out on the invoice. I refused to pay for items I never received. ACIMA is currently reporting this account on my credit reports negatively as a Charge Off Collection Account.
04/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30045	Web
Dear agency I am very frustrated to see a business is functioned in this country so unethical and fraudulent. I am seeking your consumer 's authority to help me resolve that issue with Acima Credit FKA. In XX/XX/2018, I went shopping for some appliances, the store manager has informed me about the great easy financing program that is available for the customers. I certainly read the terms and agreement of contract. The agreement, I allow them to withdraw x amount of money in my account every two weeks for 3 months, within 3 months I should pay in full at the end of the 3 months I called they granted me an extension for 10 days i paid XXXX XXXX for the extension. According to the agreement once I paid the appliances in full after the extension I owed {$00.00} I was done with you. I called the customer service the day for the deadline to pay off the bill, while I was giving them my debit card information they hung up on me. I persisted to call back many times until I got through. I gave the representative my card information to pay off the amount due. After a long wait on the phone, he told me : the card has declined. I replied to him, I said did you have the right number? He said, I told him impossible, at that time I was with my girlfriend I asked my friend to call my husband for me in another line to take his card. The representative told me same thing the card has declined. I went and hung up with him, and I called my husband to explain the situation. My husband immediately contacted both banks where they issued the debit cards. They have informed him NO ONE have atempted to withdraw no money at that time. I went again called ACIMA to explain to them that the banks said they no one has contacted them regarding my account. They finally took my card information and told the card went through. I made sure the bill was taken care off. Two months later, they went back to my account to withdraw payments. They took five payments, with your help and my bank they stop and refund the payments. Surprisingly, I just discovered they sent me on collection bureau. I think this is unfair and deceptive for a legal business to behave that way. Also, it is a violation under Fair Credit Reporting Act for a creditor to report the WRONG information on consumers. And they have committed an act very malicious and fraudulent, they know for fact I don't owe them any money that's the reason they didn't sell the account with debts collector.
12/01/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	GA 303XX	Web
Dear Consumer Protection Agency, I am writing to file an urgent complaint against Acima Corporation, detailing my recent experience with a lease agreement initiated on XX/XX/, for the purchase of two tires. On XX/XX/, I attempted to make a payment of {$880.00}, the total payoff amount, which was unsuccessful. Subsequently, on XX/XX/XXXX XXXX XXXX I encountered a technical glitch in Acima 's automated system, preventing me from completing the payment. Unfortunately, the office was closed, leaving me unable to address the issue with a live agent. After reporting the error on the next business day, I was informed by Acima that an additional {$100.00} would be required to process the payment. Despite my objections that this penalty was unjust due to the system error, I was offered the option to extend the due date for an additional {$100.00}, which I declined at that time. Following discussions with a supervisor, I was instructed to provide bank statements to verify fund availability. I explained that my bank statements would not be available until the end of the month but promptly sent screenshots as a temporary measure. Despite my efforts, the account balance to pay off the lease increased to {$1100.00} during the dispute period. Upon the resolution of the dispute, I provided Acima with the necessary bank statements, including a letter confirming the XXXX transfer. Regrettably, Acima did not honor the original payoff amount of {$880.00} and is now charging an additional lease interest fee of {$1100.00}. This drastic increase is unjust, especially given the ongoing dispute. I am seeking your assistance in resolving this matter and request the following : An immediate reversal of the additional lease interest fee of {$1100.00}. A confirmation of the original payoff amount of {$880.00}. An acknowledgment of Acima 's error and assurance that measures will be taken to prevent similar situations in the future. A written acknowledgment and assurance from Acima regarding their commitment to fair and consumer-friendly practices. I believe that the Consumer Protection Agency plays a crucial role in safeguarding consumer rights, and I trust that your intervention will lead to a fair and just resolution. I request your prompt attention to this matter and anticipate a response within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter. Thank you for your commitment to consumer protection.
10/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 287XX	Web	Older American, Servicemember
On or about XX/XX/XXXX I rented a stove from a retailer in XXXX, NC. I made the down payment in cash at the stove and was told I would have to finance the balance with Acima Credit. I asked the retailer if I didn't want the stove would they come get it and no further charges would be assessed, he replied yes but the balance would be paid in 6 months. After completing the application and the immediate approval from Acima, I was told the completed copy of the agreement would be mailed to me once the stove was delievered to my home.I was required to draft the payment from my XXXX XXXX XXXX checking account. I received a notice of how much the approval was for via postal service. I did not receive any further documents from Acima either by mail or electronically by email. In XXXX I called to make sure the month of XXXX would be the last withdrawal of the payment from my account. I was told by the customer service agent that there were additional payments that I did not agree to with the retailer who communicated with Acima. At that point I told the agent to send the retailer to pick up the stove because I refused to pay that amount for a used stove.I was instructed to look for an email with in 72 hours of the call, take pictures of the stove, submit them and the retailer would be to pick up the stove in a two week period of time. When this did not occur by XXXX I called spoke to XXXX XXXX and was told the agent just did not follow up. Again I was told to follow the same procedure and did, to wait for the retailer to pick up in the two weeks. I did not hear from them and decided to wait to hear from them. I received a call from an agent in customer service on XX/XX/XXXX and after chewing him and his company out was told to for the 3rd time to follow the same procedure, which I did. Today XXXX XXXX I called Acima to find out why the retailer had not come to get the stove, since it was within the 72 hour time frame and was told Acima charged the account off XX/XX/XXXX and because of the charge off I could not return the stove and the amount of XXXX plus had to be paid. This is a deceptive financial practice they have obviously gotten away with many times with unsuspecting consumers. I was very mad and informed the agent of my intent to file a formal complaint with every agency to stop them from further victimizing consumers. I will gather all documents and submit them to the apropriate agency upon request
02/14/2021	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	NY 10469	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
04/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22401	Web
The leasing company XXXX is completey a sham and provides misleading and false information to lure consumers. On XX/XX/XXXX I was advised by XXXX XXXX XXXX in XXXX, VA that if I wanted to purchase a washer and dryer I would need to use the XXXX XXXX leasing company, XXXX. I was advised by the store rep the lease would only require a {$52.00} payment to begin the lease and that would be the only fee to XXXX, if I selected the XXXX day payoff. The items I selected at XXXX XXXX XXXX were a washer and dryer, both under {$500.00} each. I was told by the rep at XXXX XXXX XXXX that I would need to purchase an extender warranty for {$1500.00}. A week after the purchase I contacted XXXX in order to ensure the account was set for a XXXX day payoff. I was advised the account was set for a XXXX day payoff and the payments would be XXXX XXXX monthly to accomodate the XXXX day payoff. On XX/XX/XXXX I contacted XXXX to inquire about the remaining payoff, and I was advised by an XXXX rep that I would need to pay an additional $ XXXX {$400.00} in order to pay off my account for the XXXX day payoff. When I asked for an extension to the XXXX day payoff ( in order to properly look into the account ), the rep informed me that I could only receive an extension for XXXX week and it would cost me an additional {$100.00}. I also asked the rep repeatedly to provide me with details as to why I was being charged additional money other than the amount of the store purchase the rep refused and told me that I needed to refer back to the leasing agreement, however, I never received a leasing agreement. The email that I initially received from XXXX did not display the lease agreement. So if there were hidden charges I was not aware and that would go against what the XXXX day payoff was offered in the store. XXXX has been less than professional, failed to be transparent, and the POOR customer service makes contacting and communication with XXXX so strenuous and draining, which overall makes it difficult to receive the proper and appropriate information. Basically, XXXX is using tactics to charge more than XXXX day payoff and deters customers from receiving the proper information. I feel like I was duped into doing business with Acima by the XXXX XXXX XXXX XXXX knowing the false and misleading payment method of XXXX day payoff. Also, this shady company does not make exceptions for me after being impacted by XXXX.
04/22/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 23462	Web	Servicemember
I have sent in a request to this unknown company to cease and desist all scam and harassing phone calls. I have been receiving phone early in the morning up to XXXX am and XXXX pm. I have ask them to take me off the their don't call list. This issue continued for well over 6 months. I spoke with a gentlemen back in XXXX to please take me off their call and that I don't owe any debt to their company. The gentleman continue to talk about bracelet, or earrings etc. I became so disgusted that I asked the man to please take me off your call list and don't contact me anymore. Two days later I received another phone call, and this man asking for all my personal information. I explained that don't give out my information and please cease and desist from calling me sir. XXXX I go thru my credit report to make sure everything is looking good. I see this same company 's name on my credit report alleging that I owe them XXXX. Then I get another phone call : " I explained to the lady to tell the company to take me off their call list, and I don't owe no debt to that company. I started asking her about relevant information : Name of the Company, address, then she hung up. I called back and gentleman answered phone. I asked him for their company 's information. He stated that they don't give that information out, and that they are a digital company. After some research I found the company 's information. I sent a cease and desist letter and disputed their information. I asked for validation of the debt, and for them to remove their fraudulent information from my credit report. This letter was sent by XXXX XXXX priority mail XX/XX/22, and the company received and signed for it XX/XX/22. The company hasn't provide me with any validation of the debt, and they haven't stop their fraudulent reporting on my credit report, and I just received a letter from them on XX/XX/22 that want me to give them a police report because I disputed on XXXX XX/XX/22 that this account in question is a fraudulent account. Is not my responsibility as a consumer that feels unsafe with this fraudulent company to have no information that pertains to my personal information. It's the furnisher responsibility under 12 CFR 1022.43 ( e ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) The CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) This is a complaint of harassment and it must stop
09/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
03/04/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	TX 79424	Web
On XX/XX/2018, I went to XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. I was told by XXXX, the lady at the desk that it would be easy to finance the purchase through acima financing, that way I could pay off the tire in three to four months and my payments would be around {$41.00} dollars each payment. Little did I know that I was signing up for Leasing those four tires. XXXX did not disclose at any time that the tires were for a Lease/Rental. XXXX told me that acima would be sending a email for me to sign. Little did I know that it was Rental/Lease Agreement. Of course it's on my phone which is smaller. Personally, I have always thought, who would be XXXX enough to Rent tires. Evidently, I did and did not know until the payments of {$41.00} seem to extend beyond the three to four months which XXXX had explain to me. I thought to myself, those tires should be paid off by now. I called acima in early XX/XX/XXXX, who informed me that I had signed a lease with a 90 days option plan to purchase the tire and that the sales person should have disclosed that this transaction was a Lease/Rental and that she would get the acima to call and let them know. I think this has been done before to other may not have understood what they signed. I can't believe I had gotten taken. I work at a bank in the loan department and should have esign the paperwork. By this time the tire were already on my car because the email arrived much later in the evening after the work was completed. At the time there was not any signage inside or outside the store that that specifically states you can Lease or Rent tires. XXXX, made the sale, but failed to disclose that my transaction was a Lease Rental of tire. acima informed me that unfortunately I should have paid the tire off withing the first three to four months and that I still owned over {$620.00}. The Lease/Rental of the tires will cost me over {$1000.00}. There is a small brochure which states " No Credit Needed '' 90-day Payment Option with an Easy Payment Guide which tells how much your payments will be. This Brochure regarding payment terms is inadequate. Whoever sales you the merchandise, should be required to state that the transaction is a LEASE/RENTAL OF MERCHANDISE. In no way was these word ever use. This is clearly a deceptive practice among retailers such as this as there were many compliant on acima once I google it.
07/27/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 28376	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ACIMA DIGITAL FKA SIMP XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
07/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 33009	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ACIMA CREDIT FKA SIMPL XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
07/28/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	IN 46236	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ACIMA DIGITAL FKA SIMP XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
03/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	GA 30038	Web
Hello, Id like to raise my concern regarding this company whos taking money from my account constantly. Last XX/XX/XXXX, i took an eye examination which isaw in advertisement, it says will cost you a pair of glasses for only {$59.00}. I went there and they took the test but when you are there some promotions or tricks that will cost you up to {$1400.00} if you get approved by a funding company ( XXXX XXXX ) they fund me {$600.00}, then they will offer you this and that. at first they took {$50.00} downpayment XX/XX/XXXX, and then they deduct again in my account XX/XX/XXXX {$26.00} and another one after 3 days XXXX XXXX $ XXXXand the worst part is that i havent received the product. Theyre taking so much money now and i dont like it.I want to cancel it but they havent replied yet and its hard to contact on customer service. Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. Explore Customer Portal If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX MT ). Sincerely, Acima Credit \| Customer Service Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. Dear XXXX XXXX, Thank you for your renewal payment of {$50.00} related to your recent transaction at XXXX XXXX XXXX XXXX - B. The details of the transaction may be found below : Transaction ID : XXXX Rent Payment : {$50.00} Tax : {$0.00} Total : {$50.00} Transaction Date : XX/XX/2020 If you have any questions, please contact our Processing Department at ( XXXX ) XXXX. Sincerely, Acima Credit \| Customer Service Department
05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23462	Web	Servicemember
Summary of complaint submitted : XXXX I have received a response back from cfpb in the mail. In the mailed package it included information from the company that responded. In their letter they have acknowledge the harassment which is a ( Violation ) after I asked them to take me off their call list as well as cease and desist all actions. They forgot to add, or more like omit that I have told them verbally and in writing that this isn't my account nor debt. In there drawn out letter that basically states to my understanding that they refuse to remove fraudulent reporting that they illegally placed on my personal credit until they get a police report. Another inconvenience to the consumer that's a victim to their fraudulent practices and identity theft. To add insult to injury : The company gave cfpb a copy if a Lease Purchase Agreement with a ( fraudulent/ signature forgery ) forged signature with my name on it. This alone is a huge red flag. I'm sorry to State the obvious that I actually sign all documents in cursive writing, ( * My generation was taught cursive writing signing and writing * ) I never use a print like signature especially not as perfect as whoever forged my name. That's crazy to see my name forged ( wow ). On top of that : the agreement was dated XX/XX/XXXX which I was in XXXX XXXX, Texas on XX/XX/XXXX. According to this fraudulent agreement dated and in the company 's response letter on XX/XX/XXXX I seen a retailer in XXXX, Georgia. Interesting to know I was in 2 places that actually is approximately 15 hours away from each other and 3 states apart. Clearly I have enough evidence from the company 's fraudulent agreement with a forged signature, and date. Plus a direct letter stating the company continued harrassment : according to the response letter the company noted twice documented harassment calls. I directly claim several incidents. Apparently the law is the law and two is sufficient enough. Also, acknowledging that this isn't my account. I have reported the fraudulent activities to the : FTC ( Report # XXXX ), FTC holds sufficient weight as a government agency. CFPB XXXX And to the company I have verbally asked the company to cease and desist, and in writing. *I 'm attaching a few documents with my hand writing and signature for cfpb to see the company 's fraudulent activities.
06/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77502	Web
I XXXX am having a lot of problems with this Debt Collection Company claiming i owe a debt on a closed account on my Consumer Reports. They are saying they are the Original Creditors. I have sent several letters and at last an Affidavit Of Truth. They responded not with a rebuttal nortorized but only with a lettler. I forgot to copy my notorized Affidavit to show proof XXXX XXXX stamped the seal on it. But Acima sent a strange looking contract 2 times to me. It was for a rental property, but it also included a sectional and mattress separate debt. The 1st contrtact it was 5 pages and the second contract it was only 3 pages sent. The amounts of debt were all positive balances and not any negative balances. The total of debt was 2 different amounts. One amount was {$4300.00} XXXX and the other was {$4500.00}. They even printed my name on the signature line. It was not signed by me This Company is using profane language and obscene words to collect payments. Their logo is illegal in the letter presented to me. It is clearly Debt Collection business. U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt This is fraudulent activity and this closed account has already been paid off. They are attempting to still get payments with interest which is illegal. They are not a Creditor.They are a 3rd Party Debt Collector only out to collect payments by commiting fraud. 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. The payments on the fraudulent contract are illegal according to this law : 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90047	Web
On XX/XX/2019 a line of credit was fraudulently opened in my name by ACIMA CREDIT XXXX XXXX with a current balance of {$1400.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76227	Web
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. I started a dispute with ACIMA DIGITAL FKA SIMP and the XXXX back in XXXX. XXXX I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing an ACIMA account on my credit report because it is not mine and I did not open it. I'm unaware what the account is for, I only know that it appears to be a lease or installment account with an extremely large balance of {$7500.00}. ACIMA has not responded to me by mail, and I'm unaware if they have responded to XXXX since I also mailed XXXX XXXX dispute letters in XX/XX/XXXX and XX/XX/XXXX. However, XXXX completed their first investigation and did not remove the account. I advised them to validate the debt/account with documentation bearing my signature, and if this documentation was not provided I formally requested the account be removed from my credit report. My identifying information has been compromised for years now. I informed ACIMA DIGITAL FKA SIMP and XXXX that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature, and remove the account. Additionally, I've started my second investigation with XXXX, and the account has yet to be removed and ACIMA has yet to respond to me by mail with ANY documentation bearing my signature. I mailed my ACIMA letter on XX/XX/XXXX, and my second XXXX dispute letter for the ACIMA account on XX/XX/XXXX, my first XXXX dispute letter was mailed in XX/XX/XXXX. XXXX currently has the second investigation open now, but they continue to rule in favor of ACIMA despite my request for documentation and receipt of my FTC identify theft letter.
03/26/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48083	Web
On XX/XX/XXXX, My husband I were shopping for new kitchen appliances. We ended up going to a warehouse where they sold appliances that had dents or scratches and would be sold to us at a discount. We found appliances we liked, filled out their " questionnaire '' for the line of credit and was approved. I was given a {$5000.00} line of credit based on my income ; whereas my credit would not be pulled or affected. My checking account information was given whereas my payment would come out every 2 weeks when I was paid. I spent {$4100.00} and agreed to pay {$340.00} every 2 weeks until it was paid off. On XX/XX/XXXX, I logged into my account ( for what I believe was the first time ) since I knew the loan was close to being paid off. Expecting only 1 or 2 payments left - I nearly had a heart attack when I saw I still owed more XXXX XXXX+tax!!! After digging deeper into the contract, I saw this was apparently a " 1-yr lease '' or " rent to buy '' which I was NOT AWARE OF. When I applied for the line of credit, and chose what to purchase, I was told what my payments would be, and when they would come out of my checking account ... THAT'S ALL! I did not know this is what I was signing up for. Furthermore, when I signed ( on the employees computer ) and made my {$50.00} deposit, I was not even given any disclosures or the contract - but instead was told that it would be emailed to me. In hindsight, the employee 's sales practices were aggressive and shady, and the whole process was utterly deceptive. On the same day XXXX XX/XX/XXXX XXXX, after finding all this out, I reached out to the creditor to explain the situation and spoke to ( 2 ) different agents and was basically told they couldn't do anything for me. All they offered was the payoff amount XXXX $ XXXX+tax XXXX at a 55 % discounted rate. I will disclose, the employee of the facility did mention trying to pay this off by XX/XX/XXXX for interest free - but that was all he said. I HAD NO IDEA this was a 1 year " rent '' obligation. I feel stupid and I feel cheated, and this is exactly why TILA was put into effect. I would like to pay off the loan - but I refuse to pay what they are offering seeing as it's completely unreasonable.
10/31/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 361XX	Web
Acima works with a vendor ( s ) who sell faulty goods ; I purchased two necklaces totaling {$5800.00} ( paying on weekly basis ) on XX/XX/XXXX ; I entered the agreement on good faith, that the jewelry was in-fact real ; one month or so later pieces began to fall off and tarnish ; the seller made me believe it was real ; I contacted Acima to inform them that the jewelry wasnt what I expected for the cost ( via email ) ; Acima responded by saying, u have received this email because you have requested a return of the XXXX gold chain and charm silver necklace with stone leased through Acima, and initiated at XX/XX/XXXX XXXX In order to begin the return process and suspend renewal payments on your lease account, please do the following : Send pictures of all the leased property to XXXX include your telephone number ( s ), and email address, XXXXThis lead me to believe the actually cared about costumers concerns, especially with {$5800.00} cost tag. They later emailed me back after I sent the pictures stating that, Settlement : Acima can offer you a settlement of ( {$1400.00} ) ; This lead me to believe I was infact getting a refund, so I called to confirm my payment, not once did they say you have to pay us during the call, until i asked why would my card decline if i was receiving a refund. It was until then the stated no refund and you have to pay the settlement ; i then asked why would i pay for something that much that wasnt worth the money from the beginning ; I was mislead, I then told them i would call back at a later time to discuss my final discussion on how i would proceed with new information, I informed to stop taking paying from my account and that I would call back ( after my legal paper were sent ) ; but instead they continue to withdraw funds from my account without my permission, this constitutes fraud, deception, unfairness, oppression. ; i had to move the money in a different account so they wouldnt take it, overdraft fee accured ; Acima offers no protection to the client in the case of bad goods, kind of like a lemon car ; it was never a sold as is kind situation. I asked for a full refund. Acima contact XXXX ; violates 15 usc 1692, false rep of character amount.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91786	Web
Fraudulent account was open without my permission or consent. My phone number and other personal information was used to attend an account through a company called a Acima credit. Prior to contacting this credit company I had contacted the authorities, created a police report and a federal trade commission report of identity theft as well as provide it all supporting documents to all three major credit reporting agencies about the fridge in the intrusion an incident. The account was investigated as fraud through the credit report agencies and deleted as a fraudulent account. On the same day, this company reported this fraudulent account causing punitive damages and making it impossible for me to complete my mortgage transaction. From that I have lost my money due to these companies in ability to read a police report which defines all the information necessary to delete this fraudulent account. This company has done so and then has turned around and reverse the action the same day. This reversal from my understanding based upon the phone number that was used fraudulently to obtain many things including cars, credit cards and this account here. I feel that my rights have been violated I requested them to remove this fraudulent account based on the fact that they did not provide any information to me and they do not have an address where that information couldve been sent to where I could have received notice of this fraudulent account therefore preventing it from hitting my credit report and working through the fraud processes of clearing this account. Instead they proceeded to place the account on my report without any notification be sent to me that there is a debt with their company that requires attention or clarification. Furthermore, upon receiving The police report I didnt need that for four and supporting documents proving that a fraudulent transactions taken place, they still did nothing. I believe this companys practices are of a fraudulent nature to the fact that they are collecting on accounts even after the fact that they are deemed fraudulent accounts and they refuse to abide by federal and state laws that govern them and actions pertaining to identity theft.
01/23/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	GA XXXXX	Web
On XX/XX/2023 I sent a request for validation of debt to Acima via certified mail ( Tracking no. : XXXX ) with green return receipt which was delivered on XX/XX/2023 and marked as " left with Individual ''. Enclosed in the envelope with the letter was the account number for the account in question, a utility bill for my current mailing address, my Driver 's License for ID purposes, a copy of my social security card, which was also for identification purposes, and a copy of my credit report that shows that they are in fact reporting to my consumer report. The letter that Acima has sent back to me is an inadequate response to a request for validation of the debt as they insist that I either do not have an account with them or that they do not have to investigate my request at all because I've asked them in investigate before and they satisfied their duty within the law. This is false. They have not once verified the debt with me or been cooperative in any capacity. They have sent the same letter both times I requested verification and both times they have insisted I do not have an account with them or that the information I have given them is inadequate, even thought I have given them every possible thing piece of identifying information I can give, along with the account number that is listed on the credit report. At this point they are practicing willful and negligent noncompliance pursuant to 15 usc 1681n, 15 USC 1681o, as well as being in direct violation of federal law 15 USC 1681a ( 1 ) ( A ) by refusing to investigate or reinvestigate the request for debt validation. The dispute does not relate to my identifying information as they have suggested. If they are unable to validate the debt and refusing to follow the law by falsly claiming protections under laws that do not allow to them in this situation then I have no choice but to file a police report for identity theft as I do not assume the debt as my own. I am will not continue sending letters or CFPB complaints for them to ignore, as I have done that for that for the third time now and they are ouright refusing follow federal guidelines that were set in place to protect me, the consumer.
01/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello ACIMA CREDIT FKA SIMPLE ; How are you and happy new year to you and the family! I need your help here! I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
01/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA XXXXX	Web
On XX/XX/XXXX, I was approved for {$1800.00}, for my son to get car repairs. The loan # XXXX was for roughly {$1300.00} worth of work. The payment agreement was for roughly {$120.00} every two weeks to be debited from my bank account. My son 's banking information has been put on the account for the funds to be directly debited from his account. Recently he made a payment of {$100.00} on or about XX/XX/XXXX, which was slightly less than the amount due on XX/XX/XXXX. On or about XX/XX/XXXX, I received a text indicating the payment was past due for {$20.00}. I immediately called and made the payment to bring the account current. The next payment was due XX/XX/XXXX ; however, for some reason it did not go through my sons account for {$120.00}, ACIMA collected a payment for {$20.00}. Today, XX/XX/XXXX, I received an email indicating a " second attempt '' to notify me that my account is past due. This is not correct. I have not received any notification prior to today indicating my account was past due. Furthermore, when I contacted ACIMA I was told that because the {$20.00}, did not process on the XXXX of XXXX, even though I promptly paid it, ACIMA will rerun any transactions that failed in the past, even though they have been paid. I was told that the XX/XX/XXXX did not process making the account past due ; therefore, ACIMA reran the {$20.00} that failed on XX/XX/XXXX. So the {$120.00} was not available so that will rerun any previous payments that failed. That makes no sense and only can harm the consumer. The ACIMA Representative indicated this is in my lease in " Section 12 ''. This practice can not be legal and if it is legal it should not be legal and it definitely should not be buried within the lease in " Section 12 ''. If a merchant is permitted to draft my account for a specific amount and said amount is ultimately paid my another means they then should not be allowed to rerun that amount again, at all without expressed permission to do so. The merchant has never been given full autonomy to access a consumer 's bank account, especially if a payment is made over the telephone or otherwise for a specific amount clearing up that arrears.
03/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33993	Web
On XX/XX/2021, I went to XXXX XXXX on XXXX XXXX in XXXX XXXX FL and purchased a refrigerator. I did not have enough money to purchase the refrigerator outright and they offered me a financing option. I completed my information on a small tablet and typed my signature. The clerk at the store told if I paid it off in three months, I would save allot of money. She said they send you a notification when you are close to the three-month window so that you dont miss it. The company was Acima acct number # XXXX I didnt receive any correspondence from the company ACIMA except for the day I made my purchase in XX/XX/2021. I made myself a note to pay off my account within the three-month period- I tried to pay it off on-line. It would not allow me to do it. It kept saying I had to pay a much higher amount. I called them and was on-hold for an hour. I was finally able to get someone on the phone and she told me I was 4 days over my ability to pay off my account for {$1500.00}. They said my payoff was a little over {$2000.00}. The representative said that they sent me a notification 10 days prior to the cash price payment expiration date. I checked my email and spam. I did not receive anything. I did not receive any mail. I asked if they would make an exception for the 4 days and allow me to pay off my refrigerator. She said there were no exceptions. I explained that this would be a hardship for me to pay over {$2000.00} in finance fees on top of the purchase price of XXXX. In just 12 months. When she said no, they would not make an exception, I told her I wanted to return my merchandise. I could buy a new refrigerator for less than the payoff price they were asking. They did not come and pick up my refrigerator. I sent them an email asking them if they were going to do that and what was the process. I have made several calls and sent 4 emails. I had gotten a response a few days ago telling me I had to call to have it picked up. They are clearly giving me the runaround. They also said I must pay the {$900.00} that they are owed before they will pick it up now. I need help. I dont understand what I have gotten myself into
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27610	Web
XX/XX/XXXX I paid an settlement offer to ACIMA ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as N -negative. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. Only days later I notice a XXXX point drop on my XXXX credit report. ACIMA credit reported N for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to XXXX just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.
03/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MA 02169	Web
On XX/XX/2018 I purchased the following furniture ( a dining room set, a bedroom set, and a coffee table ) at a furniture store in XXXX. I was told that I was qualified to purchase the furniture items on credit and that I didn't have to pay the full amount for 6 months. I was also told that the documents pertaining to that purchase would be sent to me either in the mail or via email. Few weeks later I did not receive any documents so I called the person that I purchase the furniture from. He told me not to worry about it, that I would get it soon and that I had 6 months to pay. As time passed by I got busy with life, as Massachusetts was a new XXXX for me and working a new job. In XX/XX/2018 I called the person from the furniture store where I bought the furniture and that's when he mentioned that it was a third party that lent me money to buy the furniture and that I would have to get in touch with them to find out the statements in regard to the purchase. He then told me the company is called XXXX and then gave me their phone number. This whole time XXXX was taking $ XXXX on my account every XXXX weeks and by then they had already taken a total amount of {$4600.00}. The original price for the furniture was {$3200.00}. They also then told me that there was a remainder of {$2500.00} that I would have to pay to finish paying on the account. I spoke with XXXX representatives at XXXX about the matter and they both told me that I have to pay at least {$1200.00} to close the account. Due to financial hardship I don't have that amount of money to pay XXXX considering that they've already taken an excess of {$1300.00} on top of the original price of the furniture. Since then XXXX has sent my account to collection and that has dropped my XXXX XXXX tremendously. I tried to resolve the issue with them and even offer to pay {$700.00} to pay off the account and have the matter rectify on my credit report but XXXX refuses to work with me. At this point I would like XXXX to stop their deceptive practices towards the consumers and place my account in good standing with the credit bureau as it should have been.
10/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 92071	Web
I purchased a washer and dryer from XXXX XXXX XXXX which were delivered on XX/XX/XXXX. While doing so the seller referred me to Acima Credit for a " Lease '' which would be 90 days same as cash. The dryer had some unsafe modifications done by the seller by attempting to convert a newer model XXXX XXXX XXXX dryer to natural gas. Basically, the dryer never worked. Under the agreement I have with Acima, they were to repair the equipment if at any time during the agreement it was not working. I contacted Acima Credit continually since the dryer was delivered and finally on XX/XX/XXXX I requested that Acima repair the dryer under the terms of the agreement. I advised them that do to the unsafe modification made by the seller, I would not allow the seller to be the company sent to repair the dryer. Acima explained that they didn't have anyone else to repair the dryer. Instead, Acima offered a settlement for a reduced amount equal to six payments of {$110.00}. I have made every payment on-time. In fact, I made 1 payment earlier than scheduled to put myself ahead of schedule. The settlement agreement was initiated by Acima due to their inability to perform their obligations under the lease agreement. Acima sent me an email with a payment schedule, but they have never provided me with a copy of the " Settlement Agreement ''. I asked specifically if this settlement would impact my credit and the representative advised me to contact the Credit Bureaus. That doesn't make any sense. They have an obligation under the Fair Credit Reporting Act to advise me if this agreement would negatively impact my credit. Acima has falsely reported me as making 1 late payment in XXXX to the credit bureaus as well as the account being closed and settled for an amount which is less than what I owed, which is being viewed by the credit bureaus as negative reporting against me. I sent Acima a letter on XX/XX/XXXX and attempted to contact them through their chat feature today XX/XX/XXXX. I was advised that their resolutions dept. only accepts phone calls.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web
In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. XXXX I paid to send mail certified and they received the documents and sent me a XXXX stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Acima XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
11/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20032	Web
I am writing to file a formal complaint against Acima, a Lender that has recently been involved in violations related to my credit file. I believe that Acima has failed to comply with fair debt collection practices, specifically in the handling of subsequent sale to another lender without providing me with written notice. The first issue pertains to the lack of proper notification concerning the charge-off of a debt held by Acima and its subsequent transfer to another creditor. Despite the debt being charged off and sold to another lender, I did not receive any written communication from Acima notifying me of the charge-off or the transfer of the debt. This failure to provide clear and timely notification infringes upon the requirements outlined in the FDCPA. Furthermore, there appears to be a discrepancy regarding the reporting of the charged-off debt. Despite Acima having sold the debt to another Lender, they continue to report the debt. This raises concerns about inaccurate reporting and the potential for double-counting the debt, which not only affects my credit profile but also violates fair reporting practices. I believe these actions by Acima represent violations of the Fair Debt Collection Practices Act, specifically Section 1692e, which mandates clear and accurate communication regarding debt collection and reporting. I have made multiple attempts to resolve these issues directly with Acima but have not received satisfactory responses or resolutions. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your assistance in ensuring that Acima complies with the laws governing fair debt collection practices and reporting standards. Additionally, I kindly ask for guidance on how to proceed and seek proper redress for these violations. Enclosed, please find copies of relevant documentation supporting my claims, including any correspondence with Acima regarding this matter. Thank you for your prompt attention to this matter.
07/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 239XX	Web
On XXXX XXXX, 2016 we went to XXXX XXXX XXXX of XXXX, located at XXXX XXXX XXXX. in XXXX VA XXXX to shop for mattresses. While discussing the pending sale, the owners/managers of the store offered that they had a financing option that would allow us to purchase the mattress set with 90 days same as cash. When asked about what would happen after the 90 days we were told that the bi-monthly payments of {$58.00} would continue until the bed was paid off. What they did not disclose is the fact that after that 90 days, financing the purchase with ACIMA/XXXX XXXX would double the price of the bed from {$730.00} to a total financed amount of {$1500.00} as the financing agreement called for the {$58.00} per month to be paid for 27 months. More calculating is the way this whole process worked. The " manager '' of the store had me provide the information necessary to determine if we would be " approved '' for the financing. Once they got the approval, a code was sent to my cell number to verify that I was who I said I was and it would be my way of electronically signing the finance documents. We were told that copies of the contract would be sent by mail and we were not given any documents to review that night. At no time was it disclosed prior to this electronic " signature '' that there would be a 100 % finance charge for not paying before the 90 day period was up. I am attaching a copy of the Financing Agreement that was provided to me by the company by request today, however, I again need to stress that we received NO copy of these documents at the time the sale was done, only later by mail. Today I called to get the balance owed on the account and was told that after making {$870.00} in payments, that I still owed almost as much as I had already paid. A quick search of the BBB complaints showed that ACIMA credit uses this blind method to take advantage of customers every day. Their methods are clearly deceptive and being in banking, I ca n't imagine that their practices are not in violation of UDAP or some other provision.
07/20/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80910	Web	Servicemember
On XX/XX/18 I purchased a remote start system, door speakers and had my windows tinted at XXXXXXXX XXXX XXXX XXXX I was told I was being financed and it would go through Acima credit. When I got the approval email I was informed it was actually a lease agreement. I never was asked too sign anything instead a text was sent too me that the merchant told me they needed to put into the system it stated Notice! Using this code is equal to physically signing your lease agreement with Acima. Code : 5768 ( Reply STOP to unsubscribe ) the lease was never presented nor read too me. I never received a copy or anything. The work I had done was roughly around 800 some odd dollars. With a early buyout option for 900 some odd dollars. I was told originally by the merchant the early pay off was the amount of which I had the work done for but later found it out it was actually about {$100.00} dollars more. Meanwhile I didnt make the early payoff date and was later informed that Id have to pay installments on the lease that equalled up too almost 1900 dollars. I never was informed of this if I had been I definitely wouldnt have agreed too it. I contacted acima trying to get a copy where I signed something stating this and they told me that it was signed using that code they sent me. I never even had a chance too read anything as the merchant had it all on his computer. I asked why I was never sent a copy or anything of the lease agreement. And they told me I was sent one. I then asked for them them to send me some form of documentation as too when they sent the supposed email and they told me they couldnt provide me with that information for security purposes. They never sent me a lease agreement Ive went through every email from them including my junk and spam folders and never was informed of this. Im just now finding out theyre charging me for this XXXX dollars for XXXX dollars worth of work because Im in the process of purchasing my first home. And was informed this lease had to be taken off my credit before I could close.
04/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 770XX	Web	Servicemember
I got a lease-to-own loan from Acima on XX/XX/XXXX at XXXX, this had a 90 days payoff/buyout. I made all automated payments and paid off my account on their portal for XXXX on XX/XX/XXXX which was the payoff option on the portal. Last week Saturday at XXXX pm XXXX ( 3 months after payoff ), I got an email from Acima about my least past due and they were processing my card on file for a payment of {$300.00}. Then i called their customer service to ask why they were trying to charge my account after paying off the loan. The customer service rep said their was another payment on XX/XX/XXXX that was pending and didn't go through that why the account was reopened. I did not get a pending charge notification like they do for for the payments of XX/XX/XXXX - XX/XX/XXXX, and my bank did not see any charges from acima which was rejected. While asking for all my payment history that was deleted from the Acima portal and instructing them not to charge my account until they provided detailed record on my account the customer rep hanged up on me. I went on to send an email to their customer support XXXX XXXX. Sat XX/XX/XXXX XXXX PM Hello, I have fulfilled the payoff on this account on XX/XX/XXXX and do not authorize any further charges on my account till I have been provided a payment statement on this account to show any money that was never processed according to the Acima representative I spoke to today Saturday, XX/XX/XXXX at XXXX XXXX who hanged up without providing any information on getting my payment statements that were removed from the Acima portal. I do not have any emails of any payment charge pending for XX/XX/XXXX, or any email or notification of a failed payment for the month of XXXX from Acima or my bank, till today XX/XX/XXXX at XXXX XXXX stating my lease renewal payment with Acima is past due. Date XXXX paid XXXX XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XX/XX/XXXX paidoff XXXX ( XXXX )
08/28/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MT 598XX	Web
In XX/XX/2018, I financed a bed and 2 chairs from XXXX XXXX through Acima Credit out of XXXX Utah. The initial agreement was to pay off the debt in 90 days. As my luck would have it, I was unable to pay off the debt in 90 days. Acima wanted to charge me 3 times the amount the furniture was worth. I wasn't having that. I have fought with them every month since then. We were able to set up a settlement amount and I was to receive a confirmation email regarding that within 48 hours. Never received the email. They tried on several occasions to withdraw money from my account before agreed date, overdrawing my account. With no confirmation email, I have no way to prove otherwise. I was supposed to make the final settlement payment the XXXX of XXXX and they tried to pull " the settlement payment '' out 2 weeks later. I contacted Acima through chat and screen shot the entire conversation. They are nailing me for an extra {$500.00} beyond the first settlement. Because I didn't get a confirmation email, I didn't have proof they were screwing me for more money. I demanded an email that same day. They said it would come to me in 24- 48 hours. It took 2 weeks and 5 phone calls and still no email even though I was told over and over that the email had been sent. I again resorted to chatting through the website again so I could screenshot the last agreement. They cut my chat off after I demanded that the confirmation email that was supposed to be sent to me 2 weeks ago be sent immediately. They told me that couldn't happen because it was all computer generated, but they had record that the others had been sent. They refused to send me those as well. I finally received the confirmation email on the XXXX stating the dates that they would pull money from my account for the final settlement AFTER I threatened to report them to the XXXX and CFPB. This company is greedy and dishonest. They don't send the emails and then suck you into a new settlement for more money. They should be shut down.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32218	Web
In XX/XX/XXXX, I reached out Acima to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from ACIMA.I have vehemently asked ACIMA for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through XXXX for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that XXXX is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and ACIMA are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33615	Web
Now this one actually bothers me more than anything more than big debts more than it all a few years back I got furniture and a company called XXXX and with them I financed XXXX and I'm stupid because I had the money I should have paid it out of pocket but we live and learn so I was paying XXXX a week and it would of been ending up paying XXXX but whatever so I paid it so to pay it off and be done my last payment to them was XXXX dollars and when I paid over the phone the girl says you may get charged one more time of XXXX dollars I told her I better not she said well it's on auto payment and it might cut it close I said well cut it off or if it does charge me refund it back I'm paid up and that is the right thing to do I have already paid you guys plenty back. of course, she was rude about it, and I changed my banking info they kept calling and harassing me over these XXXX dollars and I could have paid it but now it's more of a principal matter to me because I actually paid them XXXX so I paid XXXX more than what I was supposed to and you're still trying to scam me. you know what they have on my XXXX credit report I owe them like XXXX dollars because of interest and late fees and I have my pay ledgers I'm going to send over to you and the contract with them. Its disgusting way to be and what do you do you call them and try to ask them to remove and tell them everything and they laugh in your face and then the XXXX XXXX XXXX XXXX says all things reported are accurately like what the date it opened the date I stopped paying well that's no mystery I'm reporting that this account is paid and I have sent them everything several times so it really bothers me what is it your investigating and with who I literally sent you the contract and my pay ledger and bank statements. I'm not going to stop until all these unjust issues are fixed, I have like XXXX followers and if I have to post everyday about these companies and their unjust ways I defiantly will.
09/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 43015	Web
My payments come out biweekly on the XXXX and the XXXX of the month in the amount of {$50.00} by ACH withdrawal. On XX/XX/XXXX, I accessed their website and my account and paid the XX/XX/XXXX payment via ACH that day. The XXXX payment cleared my bank on XX/XX/XXXX. However, another ACH debit in the amount of {$50.00} was taken out of my bank account again on XX/XX/XXXX. When I called the company, they stated it was because it takes 3 to 10 business days for payments to clear, so they also took out the prescheduled payment of the XXXX also. They then said that once the payment on the XXXX clears, it will be applied to the XX/XX/XXXX payment and the one they withdrew on the XXXX would be applied to the payment due on XX/XX/XXXX. I repeatedly told them they did a 2nd withdraw from my account without my permission and demanded they stop the withdraw or refund my money. They repeatedly told me they had no way to do either and that the 2nd payment would be applied to the XX/XX/XXXX payment date. I talked to 4 reps and got conflicting information. They tried to backtrack when I threatened them with legal action and said that they could consider the payment on the XXXX as an extra payment ... even though they admitted to withdrawing the same payment 2 times. The last rep I talked to said that they could indeed refund one of those payments but not until they both cleared. If the 2nd withdrawn on the XXXX will not clear for 3 to 10 business days, what is the guarantee that the same thing will not happen on the XXXX? I advised that since they did not offer a solution and they repeatedly gave conflicting information, that I would be contacting all agencies that regulate their business and pursuing legal action. I have screenshots of the last 2 conversations as the 1st two were by phone. However, Acima does advise that they are recording their calls. I have now had to put a stop payment on my account that cost me {$30.00} and have an overdrafted account.
09/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85353	Web
THIS IS MY 5TH COMPLAINT Pursuant to 28 CFR 74.11 ; the Fair and Accurate Credit Transaction Act and 5 CFR 1315.4 This is your notice of default and opportunity to cure. I have Acima app downloaded and it is not recognized me as a user as if i do not have an account and was logged out automatically when the account became closed.. I obviously dont have access. Acima customer services DOES not speak English and have a very hard time understanding. And I DO NOT HAVE TO PAY BY WEBSITE OR CONTACT YOU OVER THE PHONE to handle this debt I AM IN CONTACT WITH YOU AT THIS MOMENT, your refusal TO ACCEPT lawful monies such as cheque, money order or any other lawful spieces of medium of exchange, is an automatic discharge by your non acceptance to perform under UCC-1-308 UCC-4-406 PLEASE explain this symbol XXXX $ Until I Receive an correct bill or invoice in my mail box or email. I refuse to pay anything. Despite all my efforts to resolve this matter privately, you have willfully and negligently continued to violates me per fair debt collections practices act as well as the criminal code 18 usc 1001, you have been notice to estoppel, I now rescind MY signature IN CONNECTION with the transaction of this contract per UCC-3-202 due to your breach of contract fro inserting my rights by fraud and mistake for the false advertising of payments t shown at the retail are different from on the contract. They display monthly payments while Acima send contract for weekly payments 18 USC 8 I now invoke my rights of claim to the instrument used in connection with the transaction, I have reasons to believe I am no longer receiving value for my part in the transaction, i no longer consent to any furnishings i Now renovation of election for good cause. Please fill out a w-9 and send it me. In accordance to title 28 usc 3002 ( 1 ) ( b ) and 31 usc 3718 i demand Acima to provide me of evidence of how and whOM has the authority from your organization to collect the debt.
11/17/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19702	Web
I was able to take a look at my consumer report. I have found that Acima Digital Fka Simp are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Acima Digital Fka Simp to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( XXXX ). Acima Digital Fka Simp is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 XXXX XXXX Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Acima Digital Fka Simp has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.
05/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 186XX	Web
I went to XXXXXXXX XXXX XXXX in XXXX XXXX on XX/XX/22 to have from and rear brakes and rotors installed. They offered financing through Acima lease services. I applied and was pre-approved for approximately XXXX dollars. I was told the cost would be approximately XXXX dollars. Left the vehicle and was called later in the day and told the bill was over XXXX dollars and part of the reason was because they did an alignment. I informed them you installed tires less than 2 months ago and did the alignment then. I asked you to check it since it was pulling to the passenger side. They said we did the alignment again and you have to pay. I asked is everything already done they said yes. I asked why I was told and asked to sign off the repairs and final cost and was not given an answer. I never approved the charges in writing. I was sent a receipt electronically and got an a paper receipt saying the charge was for installing XXXX new tires. I asked why and was told we have to lie to them they don't pay for what we did. Since my car was effectively held hostage at this point and work was done without being approved in writing I picked up the vehicle after hours. I called Acima the same day explained the situation and was told nothing we can do. I told the person I spoke with you have falsified documents and they did not provide what your documents say they did. I was told it would be sent to their resolutions team but I wouldn't be contacted and nothing can be done. Today I contacted Acima again via online chat. Advised the same basic things and was told about the same thing. I advised I will not be paying since the docs are falsified. I was told they will repossess the property and report me as delinquent if I don't pay. I asked how they can repossess items when their agreement says the agreement was for tires and what was done brake service and parts. The representative abruptly ended the chat and I can not get a transcript.
02/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 90018	Web
I signed up for a loan/lease with Acima in order to pay for an XXXX XXXX XXXX XXXX. And I pay off the loan incrementally after Ive had the item delivered to me. I did this back in XX/XX/2022. Sometime late XXXX. And I was expecting my item at some point while paying off my loan. Its now XX/XX/2022 and I have yet to receive my item and basically am never gon na receive it even though acima is still trying to charge me for the lease/loan. Ive called them repeatedly asking to get the account closed because at this point Im not receiving the item and Im over it. They keep skating by me. Theyve told me to file a police report for my account because that's the " only '' way they can terminate the lease. I filed the police report online and the police didn't accept it. And when I went to the police station to file it in person, the police wouldnt even let me file the report because they thought filing a report was unnecessary. They believed no criminal offense was made, they told me sounds like you just got into bad business. And Ive called acima back asking them to close the account and yet they still wont let me because they need the police report, which I know isnt true. They dont actually need the police report, they can close my account without it. They just dont want to close the account. I've been holding up my end of the bargain in this process. Taking time out of my day to do these police reports and finding some ways to get the account closed and acima isn't holding up their end. I couldnt care less about getting the money back from them. I just want the account closed and this lease/loan off my credit report but acima practically wont let me do that. This is genuinely a bad company who doesnt care about what their customers want, even if theyve been basically scammed. I never got my product despite paying the lease/loan, now I just want the account terminated and this loan off my credit report. Thats all.
06/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30047	Web
I am writing to request your assistance in verifying the charged-off status of an account listed on my credit report. I recently discovered that this account is reported as charged off, and I believe it is essential to validate this status by ensuring the creditor has complied with the required tax reporting obligations. As per the Internal Revenue Service ( IRS ) guidelines, when a creditor charges off an account, they are obligated to file the appropriate tax forms, such as Form 1099-C ( Cancellation of Debt ), with the IRS. These tax forms provide evidence that the debt has been canceled and allow for the proper reporting of the canceled debt for tax purposes. I kindly request that you investigate whether the creditor in question has fulfilled their tax reporting obligations by submitting the necessary tax forms to the IRS for the year in which the debt was canceled. The submission of these tax forms serves as crucial evidence to support the charged-off status of the account. If it is found that the creditor has not fulfilled their tax reporting obligations or if they are unable to provide evidence of the filed tax forms, it raises significant concerns regarding the accuracy and validity of the charged-off status of this account. In such a case, I request that you take appropriate action to remove the charged-off status from my credit report. I would appreciate your timely attention to this matter. Once your investigation is complete, I kindly request a written response detailing the outcome and any actions taken. It is important for me to have an accurate credit report that reflects my financial standing accurately and in compliance with all relevant regulations. Thank you for your prompt assistance and commitment to resolving this matter. Should you require any additional information or documentation, please do not hesitate to contact me. I look forward to your favorable response. Account number : XXXX
02/07/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 10701	Web
On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.
09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 19709	Web
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
10/31/2022	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	TN 38114	Web
First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. ACIMA CREDIT and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. I have the right to privacy above everything. No one should have access to my nonpublic personal information. 15 USC 1681q and 15 usc 6821 talk about obtaining information on consumer from a consumer reporting agency under false pretenses.Under the FDCPA, furnishing an alleged debt to coerce payment is a violation of 15 USC 1692d ( 4 ) which the FTC defines as debt parking. There is no debt, only an attempt to collect on an extortionate extension of credit using unlawful extortionate means. Remember the evidence you provided about the account on the credit report. The document stated, " This transaction is a rental-purchase agreement ( Agreement ) with Acima or its subsidiary. This is not a loan or credit transaction. The Agreement includes a 90- Day ( 3-month, in California, ) Early Purchase Option. This Early Purchase Option may be an amount greater than the merchants sale price and not same as cash.. '' You are reporting a past due account as chargeoff status in comments in the credit profile. The account should be collection not in charge off staus as shown in the attachemrnt since you stated you will not file a 1099c form with charge off status. The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. You were supposed to receive an explanantion as to how you opt out of reporting negative information.
04/29/2023	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	TX 77065	Web
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Attention : Formal Complaint -Acima Inaccurate Reporting on Credit Bureau XXXX I am writing to make a formal complaint on Acima Leasing. I purchased a jewelry selection from Watch-N-Gold through Acima as financing option with no credit checks and NO CREDIT Reporting. NO credit reporting was an important factor in determining if I would move forward with ACIMA XXXX. During the months of XXXX and XXXX and including XXXX I experienced medical issues that impacted my immediate attention to connect with Acima to assure payments were successfully applied. However, at the end of my hospital stays, I actively connected with Acima to rectify any payments upcoming to assure account was in good standing. My payment failed and I immediately rectified the payment and contacted Acima to make an arrangement to satisfy payment. I did attempt to make a payment. Payments automatically set to deduct from my bank account for payment on a bi-weekly basis. I was not provided with any documents or lease agreement with any updated terms that entailed reporting to any credit bureaus is a requirement by ACIMA LEASING. I, XXXX XXXX XXXX have spoken to two agents that communicated that Acima does not report to any of the credit bureaus. XXXX XXXX and XXXX XXXX did provide me with this information. Also, at the time of deciding to choose Acima XXXX XXXX XXXX communicated this information to me. However, Acima reported a late payment on the month of XXXX. My lease is now paid and closed. I am requesting that this item be removed and to request another specific change to correct the information which is requesting XXXX to update and delete late payment for the month of XXXX. Please investigate this matter and delete and correct this matter as soon as possible. Sincerely, XXXX XXXX XXXX
10/28/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember
A purchase was made from a furniture store called XXXX XXXX XXXX on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.
02/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11784	Web
I was approved for an installment loan to obtain new furniture in XX/XX/2020. Due to my job loss because of being personally affected by having XXXX in XX/XX/2020 and then my job shutting down in XX/XX/2020, I was given the option to be put on a deferred payment plan. This required a notice from my job of being out of work due to XXXX. The problem started in XXXX, and then continued onward for the next several months. Each month, the finance company requested a new letter proving job loss due to XXXX. I had explained that since my job had been shut down, this was not possible for me to obtain. The company stated that they understood my position, but this was a rule that needed to be followed, and if I couldnt get a letter on a monthly basis from my closed job, that was my problem. I now have 5 late payments reflecting and since I paid this account off in settlement it is negatively impacting my credit. I was given a stipulation that I can settle the account for less provided I do not do business with the company in the future. I agreed and paid the settlement amount. Due to this all being started because of my financial hardship because of a declared natural disaster, and my agreement not to do business with Acima Credit in the future, I need for either the late payments to be removed and the account to reflect a paid in full status OR for the account to be removed from my credit reports entirely. I have XXXX intention of ever doing business with a company that is clearly not understanding and that lacks empathy for its customers. I did not voluntarily lose my job 8 weeks after I was approved for financing and it is unrealistic to obtain paperwork on a monthly basis when the business was shut down. I am making this complaint public, so that whoever may come across this complaint can choose whether or not to do business with them!
07/21/2021	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	OH 441XX	Web
On XXXX XXXX I sent a credit validation letter was sent to XXXX XXXX XXXX XXXX asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX and XXXX credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. Also, on XXXX XXXX I sent a credit validation letter to ACIMA CREDIT FKA XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX credit report, which is indeed a violation, since each bureau should mirror one another. Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX is being reported to XXXX, XXXX and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. Finally, There is an account listed on my XXXX credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX and the representative stated that she was unable to remove the account, and I had to dispute it.
11/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22312	Web
I recently disputed a fraudulent account on my credit report from Acima Bank. I submitted a dispute to have it removed and I received a response from Acima stating " there is not enough evidence to show this lease is not mine '' and I have to submit a police report for them to terminate the lease. Acima NEVER sent me a letter before reporting this on my credit, that is a VIOLATION of the FDCPA. 15 USC 1692g CLEARLY states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. None of this information was sent. If you claim it was, send proof. Acima has told me that it is my responsibility to prove this alleged debt is not mine when in fact, it is their responsibility to prove it is.
10/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32444	Web
On XX/XX/2022 I sent ACIMA DIGITIAL FKA SIMP a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked ACIMA DIGITAL FKA SIMP to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or ACIMA DIGITAL FKA SIMP I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.
11/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TX 77627	Web	Servicemember
I purchased a set of tires and financed the original amount with Acima Leasing. I made weekly payments of XXXX for several weeks and then I called on XX/XX/2023 and got the payoff amount from Acima and was advised that the payoff was XXXX. On XX/XX/XXXX, I made a payment of XXXX to pay off the loan in full and went on my way. I heard nothing else from Acima and then on XX/XX/2023 I noticed that Acima had withdrawn XXXX out of my checking. I called and spoke to a representative and he advised that when I paid the XXXX on XXXX XXXX that I was XXXX short of my payoff. I advised him that I payed exactly what I was told to pay to payoff the account and he said that it didnt pay off the account and now I owed XXXX more XXXX since I did not pay off the account. I again advised that I paid exactly what I was told and he said that I only made a lump sum payment and did not pay it off. I then asked him why would I make a lump sum payment short of the payoff by XXXX. He then said I dont know what to tell you I advised him that I had paid what I was told to pay off the loan and he again advised that if I wanted to pay it off I would have to pay XXXX. I asked him if I was only XXXX short why would I have to pay XXXX and he said because I didnt pay it off in time. I asked, if that was the case then why did they wait 6 months to take a payment out and he advised that he couldnt tell me. I have tried to talk to several people and they will not discuss it with me. I blocked them from my checking account and now they have started charging my credit cards. I paid exactly what I was told to pay it off, this company is trying to get more money and the have all ready taken XXXX from me which would more than pay the XXXX, if I owed it which I dont. Why would I have just randomly payed XXXX if I was not told that would pay off the loan.
08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10710	Web
I took out a loan Acima through a third party for a set of rims for my car. A reoccurring payments were set up to take out {$88.00} out of my account for a 1yr lease which was started in XX/XX/2020. I was told I have the option to do a payoff in 90 days. I called Acima in XX/XX/2020 and made a {$300.00} payment. The sales associate told me we would set up where {$170.00} would be taken out my account weekly so I would be fully paid off by XX/XX/2020. I recieved a call in XX/XX/2020 saying they had been unable to take that months payment out my account. I had got a new debit card is the reason. I spoke to an associate and asked why they were trying to take out a payment when I should of been fully paid off in XXXX. They said that I never set up for that amount to be taken out weekly. I said to them at the point when i made the {$300.00} payment I was up to date on my payments and when i authorized for that amount to be taken out the account it was because I wanted to do the 90 day pay off. I spoke to another representative and was told that was never set up. I told them I was under the impression that it was, and that I shouldn't be penalized for it. They are saying I owe an additional {$2000.00} or I could do make a charge off payment of {$1000.00}. I asked how much were the rims they told me that before the 90 day pay off the rims were {$2000.00} I asked how much I have paid so far and they said I've payed {$2200.00} which exceeds the amount of the original 90 day cost. So I asked why should I pay {$2000.00} more or the {$1000.00} payoff if I've already paid so much? They said the representative didn't set it up so I would be paid off by XXXX. I said that's not my fault. It is hurting my credit to have this on there and I am in the process of buying a house for my family and this is putting a major burden on me.
06/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	UT 84790	Web
On XX/XX/XXXX I entered XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX, where I was looking to purchase tires for my XXXX XXXX XXXX. XXXX XXXX serviced the car and told me I could finance the tires on a 0 % interest loan for {$50.00} or so eveXXXX XXXX weeks until it was paid off. All I had to do was physically go around the counter and type in my bank info. That should have set off some red flags right there but they seemed trusting. Without giving me anything to read or to sign, they set me up on a payment plan where they took a total of {$320.00} over 4 months. After a while of this, it seemed like it should be close to having the tires paid off. So after contacting my bank, finding out who was charging me, and getting in contact with them, I learned this. That XXXX XXXX did not set me up on an interest-free loan but instead, they set up an account in my name with this shady payday-loan-esc like a company called Acima. And instead of a loan, it was a shady lease to own, with, if you do the math, an ungodly interest rate. The total lease would have totaled {$1400.00} which is more than double the cost of the tires. Even more, the signature at the bottom of the lease agreement they provided me is not even in my handwriting! After confronting XXXX XXXX on the matter, around XXXX, the only thing they said they would do is remove the tires if I purchased new ones. They were not willing to refund me or resolve the situation in any way, so I left empty-handed. Even after returning the tires to Acima and filing a police report for the fraudulent and misrepresented purchase. Acima still will not refund me, even more socking is they are asking for the taxies for {$1400.00}. So now I am out of the tires, the {$320.00} they took directly out of my account plus they want me to pay an additional {$120.00}.
08/01/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NC XXXXX	Web
On XX/XX/2020, I walked into XXXX XXXX to obtain credit for a new living room suite . The young lady did tell me it may take a few days to get the merchandise due to the coronavis, I was ok with that. On or around XXXX XXXX I contacted the warehouse to find out about the merchandise I was told it was not in and i should just wait for a phone call. I then contacted XXXX on or around XX/XX/2020 to cancel my contract it was then they tried to contact the warehouse about the furniture i purchased and they couldn't get in touch with anyone. From XXXX i was told i had to wait on someone to contact me about my account. I was contacted on XX/XX/2020 but i was unable to accept the call i was at work. I called on XX/XX/2020 to cancel again and they still tried to contact the warehouse to no avaliability. So on XX/XX/2020 I just wanted to cancel my account completely and go elsewhere. I was contacted by the warehouse and was told that i could have picked out another suite or something differet and it wasnt her fault that my suite hasn't been delivered and won't be deliver until XX/XX/XXXX to the warehouse. So i told her noone contacted me until i wanted to cancel my order. So she says it's 25 % to cancel and I'm like 25 % to cancel and I never recieved anything not even a phone call to keep me in the loop about my order? That 25 % they want me to pay to cancel could have went to the purchase of the XXXX XXXX I have XXXX kids and I can't afford to give and extra 25 % for something that we can even sit on that is crazy and absurd. I have never dealt with either company but i will not recommend friends, or family because this business practice is unacceptable and unorthodox if i have to wait 3 months for merchadise that i had to pay {$50.00} upfront for I could have went somewhere else less complicated and less money hungry.
06/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33167	Web
I've been a faithful customer of that agency since 2016 being this the second time I borrowed money from them. I was given the options of paying full amount lend in 3 months and I took it. I had made two payments of {$240.00} in XXXX and XXXX respectively. I asked to be called before XXXX payment due day in an attempt to make my payment, and I was not called. Even though we all have been affected by this unprecedented pandemic, I wanted to fulfill my debt and pay the remaining balance. I called the company, and I spoke with XXXX ( allegedly supervisor ) who confirmed my account is past due the 90 days grace period. I was also told I had to pay {$790.00} instead even though I had paid over 75 % already. I asked supervisor what benefits were they been given to the customers as a result of COVID 19? I declared I had sacrificed those {$240.00} out of my family budget to be in compliance and to avoid further credit issues, but no one listened. I was told those were the policies, and he could not do anything about it. Most companies have pop-up messages related COVID 19 information, assistance and resources for their clientele and customers. As of today, ACIMA DOES NOT. Most companies, even the government, mortgage lenders, credit bureaus have been given US citizens the opportunity to " financially recover '' from the pandemic. ACIMA DOES NOT. Many private business have shown empathy to its customers during this unprecedented situation. ACIMA DOES NOT. As the institution that overseas ACIMA CREDIT, I'm reaching out to you to advocate not only for me, but for most of ACIMA customers that may be going through similar situations. Most of us that are committed to be in compliance even though we have been expansively affected, but we encounter senseless companies like this that only care about money not the public.
08/26/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30088	Web
I started a lease with Acima for a mattress in XXXX or XXXX, had the payment plan for XXXX day payment plan to avoid paying more than its worth. Every payment went through for {$66.00} a week when I got paid. I wasnt aware of my last payment not going through which was the beginning of XXXX and they started reaching out to me in XXXX. Too late for for payment plan. I told them I wasnt aware and that I wish they wouldve told me the payment didnt go through so that I couldve made the payment right away. The man said he was going to see if something could be worked out, I let him know if he couldnt that I wont be making any payments more than I signed up for. I cant afford to overpay for something when it wasnt my fault, he came back saying that there was nothing he could do. And that there may be something to come through and that he will reach out to me then. Someone else called me XXXX days later unaware of the whole conversation I had with the man, and she said that the only thing she could do is set up another payment plan which would mean that I have to pay the outrageous amount instead of the {$700.00} something I signed up for. I told her Im not interested in paying that. And now they call every other day, I have told them I have already tried to work it out but they are being unreasonable therefore stop trying to take money out of my account and stop calling me, if I decide to make a payment I will call them. The XXXX says to me that I am under collections and that they will keep contacting me until a payment arrangement has been set. Thats the third time I have had to go back and forth with this company, this time I told her that I would be reporting them for harassment and she told me to do whatever I felt the need to do and that they would still be contacting me until they get paid
01/08/2020	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	OK XXXXX	Web	Servicemember
We purchased some beds from XXXX XXXX. While we were there the company stated that they were not going to go through one finance company but another one. So after a few months we got that one paid off. Then another company ( Acima ) tried taking money out our bank account. We were not sure who they were so we filed fraud. We called Acima and they told us to call XXXX XXXX. We called XXXX and they said we see you with the other company ( snap finance, the one we paid off ) so we reported fraud. We tried to talk to Acima several times but all that was said was to contact XXXX. We finally called XXXX again and got someone else ( the back and forth had been going on for months ) the new guy said no you got beds through XXXX and mattresses through other company. We immediately called Acima explained everything and got up to date and have been up to date since. The owner of XXXX tried to call Acima to straighten everything out as well and they would not talk to him as he is not on the lease. A supervisor stated they would take off the 60 day late off of XXXX because of the HUGE mishap as it was not our fault. She said to dispute on XXXX so it could be updated and fixed. We disputed on XXXX. It showed we were up to date but the 60 days has not been taken off. We have been back and forth with Acima and a gentleman there named XXXX stated someone named XXXX who is in charge of the credit department would call us the next day so we could get XXXX fixed or get sent a letter of deletion which still has not happened. We have been calling and back and forth with Acima all week and have not gotten anywhere. They told us they would remove the 60 day late fee on XXXX as it was not our fault. We need a letter of deletion to be able to do it ourselves and everything I have stated IS IN THEIR NOTES.
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 75039	Web	Servicemember
On XX/XX/2020 I purchased 15 twin mattress for a XXXX XXXX the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX Acima Credit reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. Acima Credit should be investigated for predatory behavior and reporting erroneous information.
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11420	Web
In 2018, I walked into the store XXXX XXXX to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, Acima the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise acima that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell Acima I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called Acima at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called Acima and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by Acima. I have disputed this entity on my credit report for years, and was advised by an XXXX employee agent to file a complaint with your company.
10/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MS XXXXX	Web	Servicemember
Constant calls of harassment after I have advised them to stop calling me. I asked them to revise my account they refused. I purchased some articles from a store around {$2000.00} in price paid down the loan to less than {$700.00} was contacted by the company and they advised that I owed the amount of {$2800.00}. The amount owed is more than what was purchased and the amount owed has not even subtracted the money paid into the products bought. They contacted me and advised I can pay the {$2800.00} or pay a settlement of {$800.00}. I said the settlement is actually more than what I actually owed with all the payments that was made to this account this company is abusing the credit system charging customer XXXX XXXX in interest and even when the account is closed they will continue to add interest and fees onto the account which is against the fair credit lending act to the consumer. Please investigate this company for predatory lending practices. Harassing their customers by constant calling without the customers approval knowledge or consent. There are more than XXXX accounts this company has been manipulating the fair lending act and not abiding by the laws that they know they have been not following by continuing to engage in predatory lending practices of calling their customers more than once sometimes XXXX or XXXX times a day. Engaging in constant calling when they were advised to stop calling me. I tried to settle the account only to be told if I did not pay today I would be called again. I advised them to stop this and they advised they will continue to call me. They have already advised me and yet they still call and harass me. Therefore violating the fair credit act that they are not abiding by failure to follow fair credit laws.
05/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 11213	Web
XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from ACIMA CREDIT. I reached out to Acima Credit asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying Acima Credit but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where Acima Credit did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control. I have attached my positive XXXX test to this. I did not go into the ER because I was afraid. Most people who went in, didnt come back out.
07/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 99203	Web
I owed on a bed we had purchased from XXXX XXXX and ACIMA CREDIT was the company that did all the financing. We were on our last two payments and my wife and I just said lets pay it off and be done. I called the company and told them I would like to pay off the bed. The lady on the other end told me that I could pay {$200.00}. She then started typing and came back and told me that the computer would not accept the full payment and I would have to wait to pay the other payment. I then asked to speak to a supervisor, whom then told me that I was not able to pay the full balance because the system would not allow full payment. I was speaking to them in front of two of my coworkers who asked how any company would not except payment. I then asked the lady if this was a recorded line and she said yes. I wanted to make sure it showed I tried to pay off the account and they told me no. My wife then went online a week later and paid the {$200.00} which it said would close the account. A few days later we received a call from ACIMA CREDIT saying we owed {$43.00} still. I told them I wasn't paying another dime for a bed we were told cost {$450.00} and ended paying close to {$1100.00}. This company continues to call us and ask for payment and I have told them to stop calling me or we would have our attorney get involved. They then put on my credit report that I owe them {$180.00}. The call I received yesterday said I owed {$93.00}. Obviously this company is only trying to collect interest on interest and nothing more. I added my last payment receipt with this complaint. The system told us that was the payment needed to close the account. Here we are months later from XXXX and they are still calling trying to collect money.
10/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80210	Web
I purchased two pieces of furniture a bed and a side table from XXXX XXXX located at XXXX XXXX XXXX XXXX, CO XXXX ~ phone number XXXX XXXX. They offered a system of financing through ACIMA. The total amount for the financing upon XXXX XXXX was {$360.00}, however, ACIMA is saying it is a difference upon them is {$400.00}. I agreed to the financing and to do it in three equal payment installments a month deducted twice a month from my bank account and or DC. This remains between a 90n period to not incurred in interest after this time. When I talked to ACIMA we discussed these terms and ACIMA agreed to collect funds and send a proper warning about deadlines payments. I reviewed my bank statements and noticed that ACIMA has not collected the entire full amount of XXXX by XXXX, instead they in the last month of the 90 day they only collected XXXX. The current amount showing it was taken from my account was XX/XX/1940, XX/XX/120, XX/XX/XXXX XXXX and XX/XX/100 XX/XX/XXXX XXXX A total of XXXX remaining bce of XXXX. This company ACIMA did not take the funds from my account as agreed either they sent any warmings of upcoming payments and deadlines. They instead deceived me by not taking the last full payment and now out of a balance of XXXX they increased that balance with interest to {$560.00} alleging that I owe that money, when I paid 95 percent of the total amount financed. This is an increase of over 1200 percent. This is not only predatory but an scam. Please I need help investigating the fraudulent business practices of these companies. The phone call recordings I had with ACIMA about payment terms should be in their database. The contract number with ACIMA I was tol is XXXX Thank you for your help
03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93063	Web
Dear Cfpb, I am writing to inform you that ACIMA DIGITAL FKA SIMP debt collection practices are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. Firstly, ACIMA DIGITAL FKA SIMP agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. Secondly, ACIMA DIGITAL FKA SIMP agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. Finally, ACIMA DIGITAL FKA SIMP agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. As well as threatening to illegally seize property. I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. Sincerely, XXXX
11/18/2019	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 30318	Web	Servicemember
In XXXX of 2019 i opened up a XXXX line of credit with Acima Credit to purchase furniture at XXXX XXXX XXXX, i made 4 successful bi weekly payments starting in XXXX of 2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then XXXX 60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around XXXX dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my XXXX reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company
07/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32818	Web	Servicemember
the account shows that it was closed XX/XX/XXXX but it's still on my credit report as a negative item. date opened was XX/XX/XXXX for XXXX dollars but it was paid off in XX/XX/XXXX but still not off credit profile. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60615	Web
I obtained property from XXXX XXXX XXXX using Acima. When purchasing this product it specifically stated that it was a lease and not a loan. Having had the product for a few months I decided that I did not want it anymore, therefore I was able to RETURN IT to ACIMA, the rightful owner. The agent on the phone advised of my return options, relating that it can be returned directly to ACIMA via shipping or it can be donated and will be considered paid and closed as it is NOT a loan. Under the direction of ACIMA, I donated this property to a not-for-profit organization as shipping it was not an option. ACIMA then suspended the collection of further payments and actually REFUNDED ME. I took a look at my credit report and noticed this account showed, paid, closed {$0.00} balance yet the remarks state this was voluntarily surrendered. How is that so? I never owned the property, therefore I can not surrender what it is not mine - it was a lease not a loan. This ofcourse negatively impacted my score drastically. After contacting ACIMA regarding this, I received a call from ACIMA on todays date to which the female employee stated that I could no longer make the payments thats why it was surrendered ( repossessed ) and they refunded me. WHY ARE YOU REFUNDING ME IF I OWE YOU??? It does not make sense. I demanded that they update the creditors to reflect the correct information to which they declined! I never owned the property, I never agreed to purchase the property - hence it being a LEASE. It should not be reporting as voluntarily surrendered because it was a RETURN! Again, it states PAID, CLOSED, {$0.00} Balance.. yet it was surrender? They REFUNDED ME!!!
10/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30062	Web	Servicemember
I walked in to XXXX XXXX XXXX XXXX and picked out a coach, two dresser and a sectional which came to {$1500.00}. I was offered a sale price because the business was closing and told that with {$40.00} down I could setup delivery for the items and make installments for XXXX until the balance was paid through a company they used for financing called XXXX XXXX. I paid the XXXX dollars and applied on line at the store. I was approved for much higher then I needed but only purchased the items I picked out. I received an email to approve the transaction of XXXX bi weekly and was asked for my bank account information. apparently there was a 90 days same as cash option that they interest rates would have cost me an extra XXXX dollars after that and continuing to make the bi -weekly payment it would cost me another 1500 dollars plus. I contacted the company about a week ago to say Zi should have paid this off a long time ago and they told me there was no credit that the exact amount I had paid prior to my inquiring about the over charge was all of a sudden the exact amount I owed once you add the XXXX dollars I paid originally. The company was XXXX XXXX and they change there name to Acima. There was no message sent to me about the hike after the 90 days. I asked for proof by way of signed docs that I was aware of the hike and Acima sent my a non digital stamp pdf format made up signature that was not handwritten or date stamp for when you do an electronic signature. The correspondence emails and statement of accounts are attached. This was definitely a scam from the store sales person to the finance company. I paid for the furniture twice and gave a tip.
06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {$1000.00} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {$500000.00}, or one percent of the collectors net worth, whichever amount is lower. The attachments that are enclosed are not downloadable and no valid link to click on to view. Just because you show a lease agreement does not mean or constitute its legally mine. Best Regards, XXXX XXXX XXXX
04/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 92069	Web
On XX/XX/2020 i went to a store XXXX XXXX to purchase furniture. I bought two items totaling {$850.00} as i was going to pay i was offered a 3 month payment plan through their creditor Acima. I accepted it and was aporoved for {$1700.00} line of credit. I paid {$50.00} out pocket that day. Then they set up my payment plans to XXXX monthly for the mentioned time of 3 months. Calculating the payments they did not add up to the total amount, but i had no way of contacting thr company, other than the seller. My contract was not sent to me via email nor eas it uploaded on.the website. Til almost the last month when i had to update my card info, and they contacted me i was explained that my remaining balance was way more than what i bought. The reason being that was supposed to pay the remaining amount without knowing to cover the total amount purchased in 3 months. This is a fraud because they intentionally put my monthly payments to XXXX instead of the amount totaled divided in three. This being because if the total was not payed the amount of XXXX would extend 12 months more without notice. I was never noted this from thee seller nor the company. A {$850.00} total now is being added {$1000.00} plus tax. I believed i was lied too, to lure me in their system by falsely promoting a 3 month pay system when they intentionally make it not payable in the 3 months mentioned and extreme interest maki g them gain so much from their clients. Im sure im not the only one. This company needs to be stopped. Its not fair that during these hard times companies like this one are taking advantage of us by falsely advertising promotions.
08/23/2022	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	FL 325XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. XXXX XXXX, Acima Credit, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. I am demanding Acima Credit, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
06/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77067	Web
On XX/XX/XXXX ACIMA CREDIT responded to a complaint I submitted through the CFPB. With the response they also provided the lease agreement and a statement. Upon further inspection of the documentation I noticed many fraudulent pieces of evidence. I have attached a complete rebuttal to their response and listed a more detailed account of the following violations, 1. 15 USC 1692e. ( 2 ) ( A ) The false representation of- the character, amount, or legal status of any debt ; a. Acima has contradicted themselves stating this alleged account was charged-off, or uncollectable, in their response labeled Exhibit D, yet are still trying to collect. 2. 15 USC 1692e. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. a. Acima reported to XXXX report, labeled Exhibit C, inaccurate information regarding payments that were made XX/XX/XXXX and XX/XX/XXXX that they were aware of according to the statement THEY provided labeled Exhibit B. 3. 15 USC 1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. a. Acima sent multiple emails labeled Exhibits E, F, G, H and I encouraging a settlement be made in general or with the use of my tax return in connection to this charged-off, or uncollectable, account. 4. 15 USC 1692g ( a ) 3,4, and 5 Validation of Debts a. Acima has never provided me, the consumer, with ALL the proper documentation required under this subchapter.
01/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77449	Web
I purchased a XXXX Washer and Dryer from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They sold Washer and Dryers that were either stolen or have a recall on them and did not disclose that information. Acima does business with this company. XXXX has a recall on their washer and dryers, he told me the washer and dryers were new, but they were not. when i got them, the serial numbers were scratched off of them so I could not provide XXXX with the information to have them come pick up the washer and dryer to fix the element that was wrong with it, when i called ACIMA they said there was nothing they could do after emailing them twice, they lied and stated that my number was not on file and everyone there was extremely rude and not helpful the resolution department is horrible and unhelpful. I need this washer and dryer out of my home before it burns the house down. the dryer also throws off my breaker anytime i ran it in the past making both the washer and dryer useless. Also, the guy made me pay {$60.00} for delivery and pay him {$100.00} upfront, this was a criminal event all around and I had no idea, i only wanted a washer and dryer because the last one broken down, Acima is a terrible company and I've done business with them in the past and had no issues. Also, I did not see the washer and dryer until they brough it to my home, I had no idea it had write stickers on it or the serial numbers were scratched off. Also, the guy has me lie to Acima and tell them that it was delivered the same day, but ti was not delivered until the following day at the end of the day the next day.
08/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 452XX	Web
I am a small business owner and went on a vendor/wholesalers website to purchase items. I was told we could get credit with Acima and make payments on items we purchased to SELL in our stores. I made 2 purchases and one was {$870.00} and the other was {$470.00}. So Acima stated this is rental property and would have to pay {$1700.00} for the first and {$950.00} for the second. I reported a loss of income due to being sick and I missed the early purchase date. Then I was told I could not sell the merchandise until I made all the payments. I asked how am I to make money if I could not sell the items I purchased in my store and why was I being charged so much. I contacted the original owner and she stated that is why she stopped using Acima because of their deceptive practices against her customers. Acima told me I could return the merchandise but I will lose all the money I have paid so far which is almost {$2000.00}. The merchandise will be out style and out of season by the time i ma done paying off the lease. I think this is predatory lending practices due to the price and then they keep changing my payment amounts and how the take the XXXX from my account then lie and say they havent changed it but they have. The products I have, have already depreciated in value because they have been sitting there so I am paying on products that i will not be able to sell and i will be out of over {$3000.00} in the end. The products arent event worth {$3000.00}. I think Acima lending practices are a totally rip off and I want my money back or my lease end at hos much the product is worth when I acquired them.
01/03/2021	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	MA 02122	Web
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06902	Web
XXXX XXXX Name XXXX XXXX XXXX XXXX ___XXXX XXXX XXXXXXXX Town XXXX State, and Zip Date XXXX XXXX XX/XX/XXXX XXXX To : _____Whom It XXXX Concern _____________ RE : Notice to Correct Credit Report Dear ___Sir/Madam_______________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Acima XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX __________ XXXX ______XXXX XXXX XXXXXXXX Town XXXX XXXX and Zip XXXX Social Security No XXXX Date of Birth
06/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20912	Web
I purchased furniture From XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Maryland for the price of {$140000.00}. With a 3 month payment plan. I was told after the 3 months I would be charged interest, however the exact amount was not determined. They simply said no interest for 3 months then it could be up to % 50 interest. Prior to the One month into the furniture purchase the loan company, ACIMA charged {$3000.00} loan against my credit! I did not borrow {$3000.00} and it was reported as a loan against my credit without my knowledge before their 3 month deadline. I contacted the company and they said that is standard. It is not, it is a lie! This {$1400.00} loan that appears on my credit as a {$3000.00} loan with their inflated % XXXX interest caused me to be denied housing assistance by XXXX and lowered my credit score 200 points. Also the company, ACIMA, emailed me a fraudulent contract which I NEVER signed or agreed to saying I agreed to pay {$3000.00} for {$1400.00} furniture, I DID NOT! The electronic signature is false and is not my signature. Furthermore, I still have the copy of the original agreement that I signed along with the furniture representative. I would like ACIMA to take this {$3000.00} off of my credit and adhere to the original agreement with reasonable interest, since I did not borrow {$3000.00} in the first place. This practice is predatory lending and downright theft, it must be stopped. It is FRAUD! Everything is based on credit scores in America and the idea that a company can put a false loan on a persons credit is scary and disturbing IT IS CRIMINAL!
01/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 954XX	Web
I did the 90 day pay out option with acima credit for a outstanding balanced I owed to acima. At the time, I did the payout over there automated service. I did this early pay out on XX/XX/XXXX The automated service charged my card for whatever I owed them as a 90 day pay out which resulted to a payment of {$420.00}. On XX/XX/XXXX I put a STOP on any auto payments with my bank account so i could do the 90 day pay off instead. So I got the {$420.00} loaned to me to do a 90 day early pay off with acima so my total balance on the account would not double as they told me it would if it was not paid by XX/XX/XXXX. They some how Aquired my debit card number that i never provided, and on XX/XX/XXXX started taking money out of my account again without my knowledge. So I contacted my bank and stopped all payments from them and I immediately contacted acima VIA live customer service. The representative I spoke to said there was a pending XXXX from XX/XX/XXXX that did not clear at the time of my early payoff so there for went past the 90 day pay out option and doubled my total, which they say resulted in re-opening my account. I offered to pay the {$64.00} that supposedly never went through in hopes it would clear my balance with them but the representative said I MUST pay {$900.00} now. I dont see why there system like she says, did not recognize there was a missing payment and why there system wouldnt just add that {$64.00} to the early pay off total. That is not my fault. They instead applied the {$420.00} I paid them to installment payments instead of the " early pay off ''
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 295XX	Web
XXXX XXXX and Acima Digital is in violation of the law after being put on notice on numerous occasions, last being XX/XX/XXXX. Informing them they were reporting inaccurate and incorrect information. 15 U.S.C. 1681i ( 2 ) Prompt notice of dispute to furnisher of information : ( A ) In general : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. Furthermore, as defined by the IRS cancelled debt must be reported as grossed income, even if I did not receive form 1099c. Income does not get reported on credit reports. 15 U.S.C. 1681 Congressional findings and statement of purpose : ( A ) accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681b Permissable purpose of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
02/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 20747	Web
On XX/XX/XXXX I did a in store finance with XXXX XXXX of XXXX financed through acima. I went to pick furniture up XX/XX/XXXX from store where I purchased my own personal XXXX ( {$120.00} ) and got home and realized 3 main pieces of the bed where missing. I reached out to the store and they told me it would b at least 2 weeks to locate the peices. I then asked for a product reduction in cost or for them to deliver the missing peices and was denied. I then spoke with the financial company acima and after they could not get in contact with the furniture store and they had no resolution the supervisor told me I would not b charged for the furniture that I never 100 % received .i waited a additional 2 1/2 weeks spoke briefly in XXXX and still no resolution was found. I told them I didnt want to go Thur with the purchase and the supervisor ensured me that the furniture store would b held accountable for the furniture. XX/XX/XXXX I discarded the furniture not hearing anything else from either establishment and Now XX/XX/XXXX acima is trying to charge me for the Little peices I did throw out after I was instructed that I would not be charged. I spoke with XXXX from customer relations and I even asked her what would she do in this matter and she told me she as well would have done the same thing. It was 3 months until the peices arrived at the furniture store and the old peices had literally been sitting n my home well over 2 months which is rediculious. I even went the the XXXX to fix this situation and they would not respond as well after attempting.
02/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75206	Web
On XX/XX/2019 I had stereo equipment installed at XXXX XXXX in XXXX, TX using a predatorial loan program they were promoting provided by ACIMA CREDIT. My issue is with the business practices of ACIMA and is meant in no way to accuse XXXX XXXX of any wrongdoing. After a while, I didn't think it was loud enough so I went back to the same place and returned all of the equipment and had better equipment installed. I didn't get any of the equipment back that was initially installed returned to me because that was supposed to be considered a trade-in towards the better equipment. The equipment was switched out on XX/XX/2019. Instead of using the equipment to reduce the cost of the better equipment, they opened a new loan and charged me full price, leaving me still liable for both sets of equipment. I disputed the accounts on my credit report for this exact reason and they just updated my past due amount in order to act like they actually made a change and avoid addressing the actual problem. Full disclosure : I haven't completed paying for the second set of equipment either. It was stolen within 24 hours of being installed and I immediately called them to ask if we could work something out so that I could just pay for the equipment but waive all of the interest because I wasn't going to pay the INSANE amount of interest they were charging while I no longer had the equipment. They refused to work anything out with me, so after being shafted with the first account, I just quit paying on both accounts and used the money to replace my stolen equipment.
09/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web
I entered into a Rent to Own agreement with Acima to purchase furniture at XXXX XXXX in XXXX Texas. At the time of the application, I entered my bank routing number and debit card information. Please note that this was my second time using this company. I did not note any issues with the account as the company is supposed to pull my payments bimonthly automatically. It seemed that there were billing issues, so I decided on XX/XX/2021 to exercise my early payout option. At that time, I noted that there were several additional charges ( late fees and a NSF ) included in the remaining balance. I went ahead and processed the final payment. On XX/XX/2021, I contact the company regarding these additional fees. The representative notes that they had tried to process the XX/XX/2021 payment from XXXX account ending in XXXX. That has not been an active account in a minimum of 4 years. Their inability to process this payment resulted in an NSF. On XX/XX/2021, I was notified by email that I had authorized them to switch to the VISA ending in XXXX. This is a relatively new card therefore it validates my contention that I provided them with new banking information in order for them to have this credit card number on file. They then proceeded to process all payments using the VISA card reference above but never processed the payment for XX/XX/2021. This allowed them to tack on a {$10.00} late fee for every payment. When I contacted Acima on XX/XX/2021, they stated that because the lease was paid on XX/XX/2021, they could not refund these erroneous fees.
01/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL XXXXX	Web	Servicemember
I received an offer in the mail to settle a debt that I got while I was over seas on XXXX XXXX. the agent advised I could settle the debt for {$610.00} I told the agent I did not have the money to do it and he said that they could extent to off for 30days if I give them account information to bill I was not sure but he said after 30days when the payment clears they would send a request to have the account removed from my credit report. I agreed and give my cc info, the card was charged on XX/XX/XXXX then last week I was checking my credit and saw that the account was still there and that the balance was still the same I rechecked with my bank and the payment had cleared 30 days from the offer date but acima credit never updated or removed the tradeline like they said so I called them to find out why and she said that I was not told any of that and that I would have to dispute it with the CRA I call and placed a dispute with XXXX and on XX/XX/XXXX. On XX/XX/XXXX there was an update to my credit report that account is not listed as settled for less but not they had added 2yrs worth of late payments and even late payments for XXXX and XXXX when the account was settled in XXXX of XXXX these action caused my credit score to drop as now I have late payments for an account that was just a collection account. I am scared to submit another complaint because I cant afford for my score to drop again I have been working really hard to fix it and because I asked them to honor what was agreed on my XXXX score dropped 23 points and my Fico score dropped 12
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92114	Web
XX/XX/XXXX, I submitted an Identity Theft Affidavit to XXXX, because someone had opened up and account with ACIMA CREDIT XXXX XXXX ( Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from XXXX nor Acima regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX
09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85042	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT After reviewing my consumer report your corporation is acting on the behalf of a debt collector attempting to collect an alleged debt. I am demanding that these late payments be removed from my consumer report as they have been furnished without my consent. In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation I demand deletion of these accounts from my consumer report and if I am not taken serious I will invoice and take this too a federal matter Sincerely, XXXX : XXXX, Beneficiary.
10/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23112	Web
The lease company ACIMA has been lying and denying my rights and at this time I have been discriminated against. XX/XX/2020, I contacted ACIMA credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.
05/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 76112	Web
On XX/XX/21 Acima responded to my 2nd complaint about my consumer laws that was broken by their company. Acima basically told me that the laws do not apply to their company because their not a creditor or lender which is incorrect. Acima is in fact a creditor by law U.S.C. 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. My extending agreement was for more than four installments my agreement was 12 monthly renewal payments of {$360.00} before tax, plus an initial payment of {$50.00} before tax, for a total of {$4400.00}. I also called on XX/XX/21 when talking to a representative from Acima they told me they didnt know what they were and said he do not know why it was said that the company is not a creditor. He then transferred me to his supervisor. He also was confused but said they are a leasing company which is the same and the rule apply to them also by law 15 U.S. Code 1667d. This will be my last time contacting Acima for this matter if not corrected future criminal liability for willful and knowing violations will be imposed.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 721XX	Web
ACIMA STATED THAT THEY WERE THE COMPANY THIS ALLEGED DEBT IS OWED TO. ACIMA STATED XXXX XXXX OWES THE ALLEGED DEBT. I XXXX XXXX am in fact a alive breathing natural being AND NOT A CORPORATION OF ANY KIND. CORRECTION ACIMA IS THE THIRD PARTY OF SAID DEBT. I XXXX XXXX DO NOT OWE ANY DEBT TO ACIMA. I DID NOT DO BUSINESS WITH ACIMA. ACIMA ALSO STATED I WAS NOT THE ORIGINAL CREDITOR OF MY OWN CREDIT. PURSUANT TO 15 USC 1692 ( 4 ) I AM IN FACT THE ORIGINAL CREDITOR OF THIS ALLEGED DEBT. ACIMA COULD NOT GIVE ME THE FUNDS TO MAKE TRANSACTATION ( MY SOCIAL SECURITY NUMNER DID AKA CREDIT CARD ) WHICH ALSO BRINGS ME TO 15 USC 1691 ( D ) THE TERM CREDIT MEANS THE RIGHT GRANTED BY A CREDITOR TO A DEBTOR TO defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. THE TERM DEBT COLLECTOR means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. SO ACIMA IS INFACT A DEBT COLLECTOR AND ACIMA IS IN FACT IN VIOLATION OF THE FDCPA. Pursuant to 15 usc 1681 ( q ) ACIMA did not have a permissible purpose due to the fact that they never received written consent to report on my CONSUMER report. A SIGNED CONSUMER CONTRACT IS NOT SUFFECIENT EVIDENCE OF A DEBT. IT ONLY MEANS A TRANACTION TOOK PLACE. SEE ( XXXX XXXX XXXX XXXX )
10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 32065	Web
I was admitted to the hospital back in XXXX XXXX of 2019. Many test had been ran they could not figure out what was going on with my body. After a lot of back & forth it was finally determined that I had XXXX. This was in the beginning stages so less information was known then versus now. I was in the hospital for about 3 months. I am lucky to have made it out alive. So when I did finally get released and was a able to get some energy I began to contact my creditors as I was not able to do from the hospital bed. I contacted Acima and explained the situation. They agreed to put me on a catch up plan and the rep stated all negative reporting would be removed. I have since went back & forth with Acima about this plan that I was not told I had to call back in to continue a plan and they are continuing to report late payments on my credit that has taken my score down over XXXX points. I went into an agreement thinking everything was solid. I have called and spoke with Supervisors whom all they do is apologize for the misinformation but claim it's nothing they can do. This is totally unacceptable and Acima needs to uphold their end of the bargain. No one asked for XXXX and what it has done to the country so to be taken advantage of my Acima is just flat out not right. I wasn't able to take advantage of the early buyout due to my illness now i'm almost paying 3 times the amount I would have been paying and they are adversely affecting my credit. This needs to be rectified immediately.
06/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IN 477XX	Web
I purchased a ( well what I thought was a ) XXXX 65 inch hd XXXX XXXX tv from XXXX XXXX In XXXX Indiana. I saw the ad on XXXX XXXX, verified the tv was new at that time the owner XXXX told me about the 90day same as cash financing. I decided to do that and keep as much cash as possible since the country was basically shutting down. I purchased this tv especially so my children could do XXXX on a big screen. XXXX couldn't get the tv in my car. it was in an opened brown box. not a XXXX box. He told me he could bring the tv to me at XXXX XXXX the next day. He did I drug it into my living room where it set until the next evening when a friend came to mount it. I was not the correct tv and it didn't even work. XXXX tells me he will give me better tv. We take the tv back and get what turns out to be another broken tv and he again insisted it wouldn't fit in the car with the box! I '' m pretty angry at this point as I gave my old tv away and the school had just been canceled for a month. Kids like to watch tv. He came to my home the next day where the broken tv was and walked out. he told me he would get me a refund from acima. That didn't happen. I did learn he is selling 3-year-old TVs as new after a serial number search. I have a police report and all of the texts between XXXX and I. Acima refuse to cancel my account or refund any money. I'm attaching the XXXX communication, Last week Acima reported I was 60 days late on this loan causing my credit score to drop 70 pts.
01/26/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30349	Web
The stuff they're suppose to to teach you in school, they don't. If they did then I would have known not to use a company called Acima Credit. I have a furniture lease for some cheap furniture that I regret getting. Long story short, I was forced to stop working the first week in XXXX. Before that week ended I called my bank to place a stop payment with Acima since I didn't have the money to pay for the furniture. With a stop payment in place, Acima still ran the charge through multiple times in different ways ultimately taking funds from my account. Funds that were needed to feed my XXXX kids. This company charged my card even with a stop payment in place. All the while without my authorization. I didn't speak to them the whole month of XXXX. Every time they charged a payment, I received a receipt and then a past due notice saying that I was still past due. Well in XXXX, Acima has taken money out of my account every Friday. That's up from every other Friday in XXXX. With no authorization from me, this company has interfered with how I feed my kids and my bill pay for my home bills. This company has been dead set on getting there payment all while still accessing past due charges for some cheap furniture. Next time, ( never ) my kids and I will just sit on the floor. These crocked finance companies suck taking advantage of the people barely making it out here. It should have been my choice to pay them or feed my kids. They forced my hand. Thank you reading my complaint.
06/01/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 75056	Web
XXXX XXXX XXXX has taken money from my account without authorization TWICE. I agreed to a catch-up plan with this company because I was one payment behind on furniture rental. The verbal and written authorization was for the amount of XXXX. Instead, XXXX XXXX ran the payment from my account for XXXX on XX/XX/19 which was not the amount that we agreed upon. This overdrew my account because I had only enough money in the account to cover the amount of the payment. They refunded the money to me but did not cover any overdraft fees even though they were the reason for my overdraft fees The second time was today, XX/XX/19. I chatted with an agent named XXXX and I agreed for another catch-up plan to start on XX/XX/19 for the amounts of XXXX and another payment to be taken on XX/XX/19 for XXXX. These were to be my final two payments for the account and they were to be taken from my XXXX XXXX acct. Today ( XX/XX/19 ) they took payment for XXXX from another account and I did not authorize that. I have screenshots from the chat that I conducted with XXXX and I explained in the chat that the last fiasco that we had resulted in overdraft fees and that I was not able to make this months payment. This is a horrible business that lives to takes its customers money. Just because it caters to consumers with. not so good credit does not mean that we can just be taken advantage of. I WANT MY MONEY BACK and I plan to file a dispute with my bank. This is craziness and I need it to stop.
03/18/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90621	Web
( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 If I have reason to believe Acima Credit is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605. In the original leasing agreement with Acima Credit, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima is evidence of this violation. Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended.
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 463XX	Web
Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..Acima employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately
12/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL XXXXX	Web	Older American
On XX/XX/2020, I purchased a used refrigerator from XXXX XXXX and obtained a rent to own lease from Acima Credit. I have been making bi-weekly payments to Acima since about a week or two after that date. I have the option to pay the total amount off within 90 days, in order to avoid having to pay any interest. That was what I intended to do. On XX/XX/2020, I determined that the refrigerator was not working. I contacted XXXX XXXX and was advised that the item had only a 30 day warranty, which had since expired. I contacted an appliance repair person and paid him {$40.00} to have the problem diagnosed. He determined that the fan motor was not working. The following Monday, he attempted to find a replacement part, but was made aware that it could take as long as 30 days to obtain this part. On Saturday, XX/XX/2020, I contacted Acima and was told that I could terminate the contract and have the refrigerator picked up. I decided to wait until Monday, to find out about the status of the part. When I was informed by the repair person that the part could not be obtained for possibly 30 days, I contacted Acima ( on XX/XX/2020 ) to initiate termination of the contract. I was asked to provide photographs of the item, which I did. Now Acima wants me to pay {$270.00} for a non-working refrigerator. This makes no sense to me. I want Acima to either pick up the refrigerator ( Acima does not want to because it is not working ) or allow me to junk it and terminate the contract.
07/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20745	Web
I took notice I was getting charged {$63.00} every two weeks from my bank account during an audit and realized it was for furniture that I purchased from a store. When I called in to ask how much I paid so far it was a little over {$800.00} for a purchase I made for a little over {$900.00}. I informed the woman on the phone I wanted to just pay the difference as I totally forgot to go in to pay off the rest in its entirety with all going on in the world right now I was totally sidetracked with everything. She informed me that there is a second early pay off option but instead of paying the difference I would be paying about {$600.00} to pay off the purchase. {$600.00} more worth of interest for a {$900.00} purchase??? Makes zero sense to me no matter how many times she tried to explain to me jargon that only those in that office were trained on in trying to explain why that is supposed to make sense. I asked her was that even legal to charge that much interest as such and she explained to me yes, it is in fact, legal. I called again today to get arbitration information from the company and to stop any future electronic deductions until I can come to a reasonable lump sum agreement and I was informed by a supervisor that I was actually in a rent to own situation. That was NOT explained to me by the store as it was explained I had a line of credit to purchase items!!! Overall they want me to pay almost {$1800.00} for a {$900.00} purchase which I am NOT doing!
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30314	Web
On XX/XX/XXXX I was reviewing my credit report and noticed an account had been charged off that was not familiar to me. I looked through my XXXX updates and saw an account was opened with ACIMA XXXX FKA SIMPLE with a balance of {$4800.00} on XX/XX/XXXX. My credit had been compromised in XXXX of XXXX and I contacted XXXX and had fraud protection placed on my account as a result of confirmation I was a victim of identity theft. Somehow someone was still able to open an account in my name in XXXX. The account was charged off on XX/XX/XXXX, for failure to pay. I filed a dispute with XXXX on XX/XX/XXXX. They advised on XX/XX/XXXX I needed to settle the dispute with ACIMA. I reached out to ACIMA via chat on XX/XX/XXXX. They advised because I was disputing the charges they could not help me. They told me before they could assist me, I needed to file a police report and then send a copy to the fraud department. I contacted XXXX and they advised I could file a report online as I'm out of town. I filed a report and received a copy on XX/XX/XXXX. I submitted that report to ACIMA. They responded via email saying because the report was redacted ( my personal information is hidden ) they could not assist me. They said I need to provide an FTC report and a copy of my ID. At this point I feel like they're giving me the run around. I am proceeding with the FTC report which has led me here.Any help you can provide in getting this issue resolved would be greatly appreciated.
06/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. Best Regards, XXXX XXXX XXXX
10/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60619	Web	Servicemember
About 5 or 6 months ago, I purchased a mattress for {$400.00} from this place ( can't recall the name ) where I applied for credit to cover the extended payment process. They delivered the mattress before the approval came back ( on a Sat evening ) and on Mon morning, 2 days later, I received an email from Acima credit saying I was denied based on several factors. I contacted the guy I got the mattress from asking what was the next step and he told me to see how it plays out. So about 3 weeks later, these deductions started coming out of my account, which was no big deal, I just figured it would take the {$400.00} and we'd be done. But about a month ago now, a payment disappeared where they are trying to charge me all these ridiculous late fees around {$40.00} for a payment that was made. So I contacted them to find out if it could be resolved and asked how much I owed so I could get the thing paid off and be done, they informed me that I owe over $ 800+. I asked how I owed so much and they told me that I owe them for the original balance plus the 1 year lease and financing, to which I asked, how do I owe you for a financing plan that you denied me for? They are trying to tell me that they NEVER ever sent me a denial letter. I feel like there's something fishy going on and needing help figuring out what I am dealing with. I don't deny owing {$400.00} minus 6 months of {$18.00} per week, but how am I being charged for something I was denied for?
08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06082	Web	Servicemember
I diluted this with the credit consumer reporting agencies in XX/XX/XXXX, I also disputed this directly with XXXX and no response. XX/XX/XXXX AXXXX XXXX XXXX XXXX Im confused as to why this is on my report. I never had an account with them and they never sent me anything in the mail. This company has failed to respond. Its charged off and they sold this debt. They have not said to who? They have not answered disputes. They have not sent me any information XXXX XXXX XXXX XXXX High Balance : -- Last Verified : -- Date of Last Activity : -- Date Reported : -- Date Opened : -- Balance Owed : -- Closed Date : -- Account Rating : -- Account Description : -- Dispute Status : -- Creditor Type : -- Account Status : -- Payment Status : -- Payment Amount : -- Last Payment : -- Term Length : -- Past Due Amount : -- Account Type : -- Payment Frequency : -- Credit Limit : -- Two-Year Payment History XXXX NONE REPORTED {$3200.00} -- -- -- missing incomplete XXXX XXXX Account XXXX -- XXXX account number XX/XX/XXXX -- XX/XX/XXXX -- XX/XX/XXXX -- {$3200.00} -- -- -- missing incomplete Derogatory -- Individual -- Account not disputed -- Sales Financing -- Closed -- Collection/Chargeo! -- {$0.00} -- XX/XX/XXXX -- 12 Month ( XXXX ) -- {$1400.00} -- XXXX -- -- -- missing incomplete information {$0.00} -- Past due amount/balance owed/date of activity is the past the date the date of last paid/missing incomplete inaccurate payment history/last payment/last balance
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02446	Web
On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " ACIMA CREDIT FKA SIMPL '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX credit monitoring, this time that " ACIMA CREDIT FKA SIMPL '' was reporting a delinquency of {$4500.00}, and this time they also reported it to XXXX, where my XXXX score immediately dropped by about XXXX points. I filed a dispute with XXXX, and sent an email to Acima disputing this debt. XXXX took it up with Acima, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. XXXX noted on my credit report that I state I have no knowledge of Acima, but they refuse to drop the delinquency because Acima calls it valid.
01/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95838	Web
This is a matter of identity theft. Someone that is not me applied for and received an installment loan to make a purchase at a jewelry store. This was not the first instance of identity theft I had been dealing with, so prior to this fraudulent application being submitted, I had placed a fraud alert on my credit file with each of the XXXX credit bureaus. The fraud alert clearly states that there is suspected fraudulent activity and any potential lenders must call me directly by telephone for further identity verification. I received no such phone call from Acima. I contacted Acima and they were utterly dismissive. This company failed to perform simple due diligence even when provided with a clear warning. I allege that this lender is not concerned with these types of situations, and may even welcome them based on the ridiculously easy application and approval process - that and the process in which funds and merchandise are exchanged only bolster my suspicions. The funds are not transferred to the applicant ; the lender contacts a chosen retailer directly to complete the monetary transaction - the applicant may not even be present for this. The lender purchases the merchandise and the applicant picks it up at their leisure. It seems the retailer in this instance failed to perform even the most cursory of identity verifications as well. The opportunity for collusion between retailer and lender is glaring in my opinion.
04/30/2023	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 35806	Web
I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite paying off the account in full and having nothing owed, the payment status still reflects as late on my credit report. As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home. I would like for the late payment to be updated to " paid as agreed '' on my credit report to reflect the fact that I have fully paid off the account. Furthermore, I respectfully request that you provide me with a statement and payment transaction records that would prove my payment was submitted on time. If you are unable to provide proof or if a proof is lacking the payment being late, I ask that you update my payment history to PAANL ( paid as agreed, never late ) in accordance with the protection laws. I urge you to take immediate action to address this issue and to update my credit report accordingly. I am eager to move forward with my plans to purchase a home and rebuild my credit. Thank you for your attention to this matter. Sincerely
05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	GA 30038	Web
To Whom It May Concern : Im writing this letter regarding the consumer XXXX and the creditor ACIMA CREDIT. At first I was looking for an eyeglasses and saw this ad from XXXX. It only cost {$59.00}, but then on the actual cost when you set your appointment with them, it will balloon up the payment from {$59.00} up to {$1600.00}. This is the reason why Im writing this dispute letter to inform about the misleading advertisement and how they get money from my credit card for the payment, almost weekly and without my consent they keep charging my credit card. They even report me to my credit score which affects my credit score last XXXX of XXXX which is now it already added to credit report. Payment dates : 1st payment - XXXX - {$50.00} XXXX. XXXX = {$26.00} XXXX. XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} Dear, Your early purchase option ends on XX/XX/2020. Today 's payoff amount is {$450.00} + applicable taxes. To take advantage of our early buyout option, please contact us immediately to make the appropriate payment arrangements. After XX/XX/2020, you will no longer be eligible for the first early buyout discount. If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX MT ). Sincerely, Acima Credit \| Customer Service XXXX For your information and investigation
03/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95376	Web
I went into the furniture store on XX/XX/XXXX. The representative who assisted me with applying for the lease stated is was a 24 month term and any interest would only be applied to the remaining balance after the 90 days early payoff option. I was approved for {$2100.00} after paying a {$50.00} application fee. The lease amount was {$2200.00} ( Higher than the amount approved ) When applying no copy of the fees or contract were presented, I relied on the information that was being provided by the representative. I requested a copy be provided onsite and the representative stated it would be emailed to me immediately. I did not receive a copy of the agreement until the following day. The furniture store has a strict no refund and restocking fee policy which made it impossible to cancel my transaction after being funded for the lease. I called the store to ask about the fees that were in complete contradiction with what I was told. She assured me that it was a 24 month term and again the fees would only accrue on the remaining balance after the 90 day promotion rate. The balance owed on XX/XX/XXXX was only {$860.00}. I have paid {$1400.00} as of today XX/XX/XXXX. The balance now shown as an Early Payoff is {$1500.00}. I contacted Acima, the lender, to clarify on why it was double the previous balance. Attached if the saved transcript of the chat with the representative today XX/XX/XXXX.
11/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92021	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. I have advised this company that this debt is not owed, however, they continue to place this on my credit report for the second time. I have shown proof of such, which was ignored. The address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
05/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77083	Web
I bought Furniture at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX on the XX/XX/XXXX. The cost of the Furniture was {$2000.00}, so the Seller got me a finance Company called ACIMA CREDIT LLC to finance the loan. He told me that I will not be required to pay any interest for 3-6months. After the purchase, ACIMA deducts {$160.00} to {$160.00} from my account every two weeks. I called ACIMA on the XX/XX/XXXX to complain of my financial hardship and to know how to clear the loan. To my surprise, their Customer representative told me that the total amount I need to pay is {$4400.00} and that I just paid about # XXXX XXXX and my balance should be {$3.00}, XXXX. I told her that I will not be able to pay that amount unless they want the Furniture back. She said that she will send me a return slip but that I will forfeit the amount I paid already. I called ACIMA again today and was told that the 3 months Grace period expired on that XX/XX/XXXX. Meanwhile, I called ACIMA on the XX/XX/XXXX but the Representative I called did not tell me about that. I now opted to pay the remaining {$1000.00} to close the case but was told that I need to pay {$2300.00} including the {$1000.00} deducted from my account by ACIMA. Since XX/XX/XXXX was the last day for their grace period for the loan, I am required to pay interest of {$1300.00} for taking a loan of {$2000.00} for 3days. This is very unfair.
04/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80817	Web	Servicemember
Company : Acima Leasing Date of Purchase : XXXX Details : I purchased auto equipment for my vehicle from XXXX XXXX, which is the company that sells the loan programs for the company. When I went into the store I was fully prepared to purchase the equipment out of pocket but after pushy antics from the store representatives I was forced into a contract with Acima. The representative texted me a link and walked me through each step and explaining each step. I trusted what the person was saying and followed through with it. After, he took my keys and said come back in 3 hours. Fast forward, 4 months, I get a call from the company advising that I missed a payment. I got a new debit card and forget to update the information with them, so I did it and proceeded the payment. After processing the payment I was informed that I still had a balance on the amount that was more that the loan amount. I asked the rep how XXXX went all the to tell a supervisor who then told me he didnt have a boss and there was no one else to speak to. I advised no one told me about any of this and demanded more information about how this was not ok. I also advised i would give everything back if I could get my money back. So no help. So here I am trying to figure out how this is ok and how I can only be held responsible for the cost of the equipment and not the triple charge of the cost of all this.
10/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 27704	Web
On XX/XX/2020 I Purchase a stackable washer and dryer. From XXXX XXXX Acima did the finance. Once it arrived I told the delivery guy that I refuse the delivery he said to me that he was going home he was The mechanic not the delivery guy. For me to call the store XXXX give me a discount he be telling people that these appliances are new knowing that they arent. So on XX/XX/2020 on a Sunday. I calls and someone answers the phone and tells me to call back Monday. So I called back XX/XX/2020 explain to the store and was cussed out and was told I have my money take it up with the financial company then hung up on. So I called Acima XX/XX/2020 explain to them what was happening. They give me there website to submit pictures and I did.I explain to them how dented up it was I couldnt use the dryer the tub would hit the side it was dented so bad. The washer leaks and doesnt fill completely up I kept calling finally someone calls me on XX/XX/2020 telling me that they will give me a XXXX dollars check and I pay the remaining bill a total of XXXX. I explain that the washer and dryer is not working I shouldnt have to pay for something that doesnt work. Since I refuse the offer I was left paying XXXX for a appliance that doesnt work and is expect To pay for. I dont mind for paying for what I need and works but to give away XXXX and still have to buy one To fit my family accommodation
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web
An account from a lender listed multiple ways on my report ( ACIMA CREDIT FKA XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT XXXX and ACIMA CREDIT XXXX ) on XXXX XXXX in which I immediately contacted the credit report bureau ( XXXX ) to dispute this matter as I have never requested a line of credit of any sort from this lender. The inquiries were removed by the agency ( 1 REMAINED ) which prompted several rounds of dispute which were not resolved to my satisfaction in which my report updated with the following remarks, " he companies that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. The most recent update. '' The account originally appeared as " LATE '' however now reflects as charge off after speaking with several customer service reps from the company. I was able to obtain the rental contract which does not reflect ANY of my information ( address, signature, phone number, email. etc ... therefore was not properly investigated, reviewing, verified and/or validated. Please see all attached information including several communications with members from the ACIMA company. Per the XX/XX/2021 XXXX Dispute Results ( Report number XXXX ) Assistance from the CFPB is warranted in this matter. Thanks in adv ance
05/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 92264	Web
Ive been trying to get help for the last few weeks but have been unsuccessful. The website doesn't let me sign up or the phone calls have been nonproductive. Signed up for payments with Acima and they took a payment of {$32.00} and it was successful, however, the problem came when my bank sent me a new credit card with a new number. So, I called the company to update my new number so that my payment would be on time and uninterrupted and acima told me that my last 4 digits of my social security number that I gave them didn't match the one they had on file which was a shock to me. So I asked them could I just give them my new credit card number so I could pay it off and they told me no, I have to send them my social security card and drivers license over the email for them to verify my identity or I could not pay my balance and I would incur late fees. I don't want my credit to go bad as I have perfect credit. Im worried to send my personal info to them over email because it's not encrypted or secure. I told them I felt uncomfortable about that and they said that's the only way. I want to pay my bill off but they wont allow me to do that. I am stressed and over all of this. I want a resolution that does not involve me sending my personal info via email but they offered none other than that, XXXX couldn't help me either as they said they paid them off. Please help me.
06/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 306XX	Web
I am writing to report a violation of the Truth in Lending Act ( TILA ) by [ Loan Servicer 's Name ], regarding my recent loan account with their institution. I seek your assistance in addressing this matter and ensuring that my rights as a consumer are protected. On XX/XX/2023, I initiated the process to pay off my loan with ACIMA. The original principal balance of the loan was {$330.00}, and I expected the final payoff amount to be consistent with this principal balance. However, to my surprise, the payoff balance quoted by the company amounted to {$730.00}. Upon inquiry, I discovered that the inflated payoff amount included exorbitant Non-Sufficient Funds ( NSF ) fees that were added to the balance. These NSF fees were levied due to a failed attempt to debit my account for the payment. I contend that the inclusion of these NSF fees as part of the payoff balance violates the TILA and consumer protection laws as I never ever received a billing statement by mail to advise of such charges being added to the principle balance. Subsequently, I contacted ACIMA to request a refund of the {$340.00} in NSF fees, which were wrongfully included in the payoff balance. In response, the company stated that these fees could be treated as part of the payment and added to the payoff balance. This assertion contradicts the TILA and is an unfair and deceptive practice.
07/26/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees	FL 33150	Web
XX/XX/XXXX was when I made the first payment, that is, the financing. I did it with my cousin 's wife 's card because mine had been lost and had not yet arrived ( it was with my cousin 's knowledge ). Then, the weekly payments were made correctly, being these : XX/XX/XXXX, XXXX and XXXX, until reaching the month of XX/XX/XXXX. The payments from XX/XX/XXXX to XX/XX/XXXX, were invalid. On the XXXX, XXXX and XXXX of XXXX, the payments were made from my cousin 's wife 's account without me having any knowledge of it. I realized, when I didn't see the payments registered in my account. I immediately called and found out that they were using the wrong account. They were supposed to give it back but never did. On XX/XX/XXXX, my account was fully paid off. It happens that my cousin 's wife called her bank 5 days later to get her money back, without letting me know because we had agreed that I would make those payments, but Acima didn't let me know either.. I called realizing that my account was still open with an exaggerated sum approximately around {$1300.00} plus dollars. The only thing they told me was that I had to pay it because the XXXX-month term had already expired. My last call with them was this Wednesday the XXXX of XXXX, around XXXX. in the morning, which was the same answer. They have not wanted to make a fair payment agreement with me.
10/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 721XX	Web
PLEASE EXCUSE OTHER COMPLAINT SOME HOW PAPERWORK GOT MIXED UP This Company XXXX alleged that I XXXX XXXX a natural born person has an alleged debt with them. They have called my phone and also emailed me over and over again. This company is in violation of my rights do to not having my consent to contact me. This company is also in violation due to reporting to my consumer report. This company is also a third party that should not have my personal information. Due to having my personal and financial information you are in violation due to stealing my identity to furnish false information on my consumer report. You're also trying to collect for a company that is not in business anymore at the particular location. THIS COMPANY HAS ALSO TRIED TO STEAL PAYMENT FROM XXXX OF MY CARDS!!! This is also proof that this company kept my personal information for their own use by furnishing false information. This is fraud and also a violation of my rights as a Creditor of my own account. I'm the creditor due to using my social security number during the said transaction. Not only am I the creditor but this debt has been paid since day XXXX of voided contract due to not conspicuously explaining the finance charge. The finance charge is in fact the sum of all charges. It has come to my attention that XXXX is trying to double dip. This company is now in default.
09/30/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	VA 22030	Web	Servicemember
I financed some furniture through Acima credit and they tried to hijack my checking account and have hijacked my credit report. They initially altered the terms of my original contract without my consent and increased the agreed upon billing amount from {$40.00} per week to {$170.00} per month. After several arguments about this over the phone where a representative tried to convince me that this is what I had agreed to, I requested a copy of the contract and was repeatedly denied a copy of this. Meanwhile, I received several phone calls daily from various unidentifiable phone numbers from people who identified themselves as representatives of Acima demanding bank account information or debit card information to resume payments. I made these people aware that I do not disclose this information to anyone for any reason and requested that a copy of a billing statement be mailed to me. They once again repeatedly refused claiming that they were a paperless company. I made several attempts to remedy the situation over the phone and was even denied a physical address where I could remit payment without having to provide information over the phone. This went on for several months. The entire time Acima has reported negatively to all three credit bureaus about this account while refusing to bill me or accept payment in any form other than over the phone.
01/03/2022	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	GA 30319	Web
Acima Digital, LLC is not a federal, but a commercial institution, so by federal law jurisdiction, they are a consumer reporting agency and debt collector ( debtor ). Acima Digital, LLC. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent lease-purchase agreement. They have committed illegal acts, fraudulent representation of fact and lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges, theft and billing tactics. A Corporation, a non-living entity, can not lend funds or extend credit, therefore they can not be the owner of any property that was acquired through a natural person 's consumer credit transaction. The documentation they have presented constitutes Identity theft and fraud. Acima Digital, LLC willfully intended to deceive the original creditor, myself, into a fraudulent contract during a consumer credit transaction. I know who I am, and I am Invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. It is impossible to pay on a positively reflected balanced debt or charge. They have misled the consumer, when in fact the alleged debt balance showed it has already been accounted for. Thank you in advance for your response.
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
UPDATE TO CLAIM # XXXX ACIMA is in WILLFULL NONCOMPLAINCE AND NEGLECTION OF THEIR DUTIES AS A FINANCIAL INSTUTIONS IN ACCORDANCE WITH 15 USC 6802-6804 ACIMA has failed to perform under its obligation as a financial institution under 15 USC 6802- 15 USC 6804. Company DID NOT follow proper procedure to ensure safety of my nonpublic information and has not disclose to me and has not given me any explanation or opportunity to exercise my RIGHT under 15 USC 6802b ( B ) ( C ) and continues to report my non public information to a non affiliated party ( XXXX ) despite my instructions to cease such actions. ACIMA DID NOT PROVIDE EXPLINATION OF MY RIGHTS AND HAS DID NOT NOT GIVE ME THE OPPORTUNITY TO EXERCISE MY RIGHTS TO DIRECT MY NONPUBLIC INFORMATION BEING REPORTED AND INSTEAD LEAD ME TO BELIVE THAT MY INFORMATION MUST BE REPORTED TO THE CREDIT REPORTING AGENCIES NOT GIVING ME THE OPTION TO OPT OUT AS REQUIRED BY FCRA LAW. I am trying to resolve this matter once and for all and move on but ACIMA INSISTS TO CONTINUE IN BAD FAITH AND CONTINUES TO VIOLATE ITS OBLIGATIONS UNDER THE FCRA AND VIOLATE ME AS THE CONSUMER AND MY INSTRUCTIONS. I SIMPLY ASKMFOR MY INFORMATION TO STOP BEING REPORTED AS THEY ARE NOT OBLIGATED BY ANY LAW TO REPORT SO BUT ARE IN FACT OBLIGATED TO GIVE THE CONSUMER AWARENESS OF A CHOICE WHICH WAS NOT GIVEN IN GOOD FAITH.
10/21/2021	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 Was not notified of investigation status or results	TX 774XX	Web
This is a formal complaint against Acima Credit located in XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Acima Credit has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
07/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38301	Web	Servicemember
I entered an installment loan with Acima to purchase tires from a store. I specifically ask for 90 days same as cash and they said when it was close to the end of the contract, they would email me as a reminder. Acima had been drafting funds from my account without an issue when I noticed that I had paid close to the initial {$1000.00} ( amount of purchase ). I called them on the phone to ask why were they still drafting money when the account should be paid in full due to a 90 day same as cash purchase. The representative stated, '' ma'am, your account wasn't placed on a 90 day same as cash account when I specifically ask for that plan. I asked to speak with a supervisor and the representative told me that the supervisor would tell me the same thing. Acima is requesting that I pay them an additional {$1300.00} on top of the {$1000.00} already paid but I refused because I didn't want to pay the interest in the first place is why I chose 90 days same as cash. I have received calls from the company at least 15 times a day to include robo calls and voicemails. I read their reviews and customers are stating when they request 80 days same as cash, they end up with the outrageous finance and interest charges which is absurd. They also claim they emailed me but when the email address was verified, they had the wrong email address.
03/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 148XX	Web
I took out a lease with this company. I set up a bank account with them to pay at the store. I set up a catch up plan which was supposed to take care of my past due balance and advised them to delete the other banking info because it was not the correct account. I was assured they would do that. I did not have the amount agreed upon coming out of my account so upon logging into their online portal I see that they have a bank account listed for a prior lease I had years ago with them that they were attempting to bill, not the debit card I provided or even the bank account i originally signed up with. They attempted to tell me that it was just the name of the bank was changed, not the account number. But they charged me numerous fees in relation to the wrong account getting billed that they refuse to refund, have reported it as late 30 days on my credit report causing my score to drop XXXX points. I also find that using an account for a prior lease is a gross violation of my financial information and they would not take any responsibility for this and seemed like they were trying to cover it up that they did not input the correct payment information after numerous customer service requests and then were trying to collect payment by whatever means necessary with an account that was not in the lease agreement.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38141	Web
Derogatory Information has been placed on my account by Acima Digital and it needs to be removed. acct number XXXX. 15 USC 6801 ( a ) The Gramm Leach Bliley Act states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. I did not give consent for XXXX XXXX XXXX to share any of my information with any nonaffiliated third party. Acima Digital is currently furnishing a Charged Off account on my consumer report. The Internal Revenue Service defines a charge off as income also known as a certificate of indebtness and according to the law Income can not be reported. Furthermore, there was no notice of my right to Opt out of credit reporting that was clear and conspicuous in accordance with the Gramm Leach Bliley Act. According to Acima Digital 's privacy policy they only share information with their affiliates and no other. This charged Off account needs to be removed immediately. This directly violates 15 USC 1692d ( 1 ) in which XXXX XXXX XXXX has harmed my reputation by reporting this derogatory information. Per 15 USC 1681n ( a ) ( 1 ) I am entitled to compensation of monetary relief of {$1000.00} per violation.
01/06/2023	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	NY 10451	Web
ACIMA DIGITAL FKA SIMP stated that they was not going remove account number XXXX but, how is that possible if the open date is inaccurate, the date for last payment is also inaccurate. I would like to see the original contract with the date that you provide if not, this ground for removal, they also violated my rights under 15 U.S.C 1681 section 604A Section 2. The law clearly states a consumer reporting agency can not furnish a account without my written instruction Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/ ( Please provide adequate proof that I opened this with the that you provided account with original documents with my signature ) Balance : {$3300.00} No. of Months ( terms ) : XXXX High Credit : {$3100.00} Credit Limit : {$0.00} Past Due : {$2200.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Unpaid balance reported as a loss by the credit grantor. CONSUMER STATEMENT Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/ Date of Last Payment : XX/XX/ ( Need proof that this payment was made by me. )
04/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 76544	Web	Servicemember
XX/XX/XXXX, I made a payment of {$140.00} towards my bill with acima. I talked to the rep on the XXXX of XXXX about it and I asked the rep how much was left to pay off my loan before the XXXX buy out. He told me I had till XX/XX/XXXX. I instructed him that I paid the remainder off on the XXXX. The rep said ok will I call it in or do it online. I told him online. He said ok. I then paid off the account on the XXXX and received an email that I paid off my account. Today XX/XX/22, I checked my credit history and acima was still on their but saying it was active and I owed {$1000.00}. I called them and the lies started. I was told my the supervisor that even though I paid the remainder I didn't call it in to cancel the monthly payments so they tried to pull out the {$62.00} on the XXXX and it didn't work so they reopened my account. I've worked with acima before and never had I ever had to deal with this. They said the only way I can cancel this account is to pay them {$62.00} plus {$25.00} for the processing fee even though I told someone in advance and I paid it off in full. Not to mention I didn't receive any information that a payment was declined and my account was re-opend. the supervisor said my account was " pre-closed '' meaning it's not fully closed until the account is paid off. Which, it was!
10/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85040	Web
I purchased a stereo from XXXX XXXX XXXX XXXX and an amplifier for my vehicle. i was making my payment on time to the leasing company that took the lease for the merchant. Early on in the lease I had a problem with A XXXX XXXX reference XXXX XXXX amplifier. when I took this itme back the merchant gave me problems returning the item in exchange for a new one. the end result was me given a used item off the shelf. Ilef the store no complaints. I later had an issues with an XXXX XXXX car stereo I returned the item and the merchant took it back, they adv me I would get my return receipts via email and text message the same way I got my other documents at time of purchase I said ok and left the store.. A month later im still being charged the same amount by the leasing company. I put in a dispute with the leasing company to make adjustments to my lease and the leasing company said they were adv buy the merchant that the XXXX XXXX XXXX was not returned I need help as the merchant is in possession of the property an i no longer have the item. I also explained to leasing company XXXX i want to return the rest of my items to cancell the remaining lease and they refsue to take the items back and make the adjustments for a item im no longer in possesion of. I want to make sure they do not ruin my credit.
07/22/2022	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	CA 90278	Web
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. ACIMA XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
11/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85712	Web
I went to a furniture store to get furniture at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX NY XXXX XXXX I was approve for XXXX dollars on XX/XX/2019 approval number XXXX in which they ask for you checking account information, I gave it to them cause I Needed at that time the credit and the merchandise, I was told they will be deducting this money from my checking account which I agreed to, I Told the person who was handling my case that my basement apartment had a leak in the ceiling and that my Landlord will be fixing the leak that week cause I didnt want my new bed to be ruined they said ok let me know when you need delivery meanwhile this money is taking from my account I agree cause I just knew that I was going to receive what I put in an order for, I went back to the store to let them know my landlord fixed the leaking ceiling, I was told we dont have a delivery drive who could assemble your items in which I put that in as well that I need assembly, I said ok when do you think youll have someone they said give it a week we will Contact you so I Did I call one day to see if they had someone to deliver my items no answers I kept calling no answer then I went to the store and it was closed, as COViD came in I Couldnt do anything it on my credit with ACIMA and I NEED IT TO BE OFF
08/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 347XX	Web
On XX/XX/2023 I went to a retail store XXXX XXXX to purchase my wife 's wedding ring. During the purchase, a representative from the store stated that I could take the ring today @ {$1500.00} and pay it off early through one of their leasing company. I agreed he stated that I could pay it off early by paying any additional amount while the leasing company ACIMA will withdraw a base amount which I set up to be taken out every pay period which is every two weeks that would pay off the loan in 3 months or 90 days in which I agreed and signed off on this lease arrangement. I later that day spoke to an ACIMA customer rep. and she assured me that i could use the early option 90 days by paying an additional amount in which I did every pay period to matcth the base amount ACIMA was supposed to be taking ou. However, when I checked back with ACIMA in XXXX I was told I had missed the early option rate and would now have to pay the 12 month rate. I found out later that ACIMA never took out the base rate but was on collecting the additional amount I was paying which totals approx. {$1600.00} but they are saying I owe {$3500.00} beccause I misssed the early option date. ACIMA VIOLATEDTHE LEASING AGGREEMENT BY NOT WITHDRAWING THE {$130.00} BASE RATE WHICH CREATED ME NOT PAYING THE EARLY OPTION RATE
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92707	Web
I do not have any responsibility for ACIMA is trying to collect. In XXXX, I was charged a payment by ACIMA without my permission, and I disputed this information immediately with XXXX XXXX, who returned the funds taken. I have not had funds taken since that date by ACIMA, however I have discovered a XXXX term lease from ACIMA CREDIT XXXX XXXX with an original balance of {$1700.00} opened in XXXX of 2020 on my credit report. This reporting is inaccurate because I am unfamiliar with ACIMA CREDIT XXXX XXXX, and did not sign up for ANY lease, loan, rental or purchase agreement in the month of XXXX at all. I have no information at all received from ACIMA in regard to this debt or any attempt to collect this debt besides the attempt to take funds from my account without my permission, and ACIMAs reporting of the debt on my credit report. I attempted to call them to get information, they are unfamiliar with my contact information. I emailed their fraud department which sent an automated response to reach out via phone, so I am being sent in circles. I am also sending a letter to their business address directly, but I never opened any account with this company, and have never received any information as to any agreement I signed, nor any invoices or bills regarding payments due.
04/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85142	Web	Servicemember
Acima allows identity theft by not doing actual credit checks. They do a soft pull. Anyone with an XXXX dump can easily get an account with this company circumventing credit lock. This tactic looks to be part of their business model to make quick cash. Trying to remove identity theft, Acima expects you to jump through their process and said they would not accept the FTC report. They work directly and only with XXXX, who will not remove the fraudulent account. Acima is a client of XXXX. No proof has been provided to XXXX from Acima about the account. They keep closing the dispute. I had over an XXXX XXXX XXXX perfect credit history, and I would never use some scam service owned by XXXX XXXX XXXX ( ACIMA ). It is impossible to get anyone to help me at XXXX, and Acima is worthless. If you go to XXXX complaints, you can see top complaints on how criminals circumvent the credit lock system because Acima does not do an actual hard pull. Meaning it will not show up on your credit. This fraud first showed up on my account in XXXX Another shady thing was that ACIMA shows the account paid off after I made the initial dispute, lowering my credit even more. I believe Acima is fraudulent, and XXXX is helping through deceptive practices. Both companies have not responded to the XXXX.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48180	Web
I noticed an incorrect account on my XXXX credit report from 'ACIMA DIGITAL FKA SIMPLE '. I have contacted Acima and also filed a dispute with XXXX. After communicating with them, and reviewing the general complaints and reviews of this company on XXXX XXXX XXXX, it is clear that they do not intend to help me without a fight. I reached out stating there was an incorrect charge on my account. They immediately stated that I had alleged identity fraud- which I clearly had not. I believe they did this so that they could tell me to obtain a police report and avoid the legally required investigation process laid out in FCRA 623 ( 8 ) ( e ) ( 1 ). Their public communication regarding invalid claims is so consistent and unhelpful, that I have to believe they are not interested in resolving claims. They only seem interested in closing claims, no matter the impact to the consumer. Acima appears to have several anti-consumer practices in place, and receives a staggering amount of complaints related to inaccurate credit reporting on the XXXX website. At a certain point, one has to wonder if a creditor themselves is capable of opening an account under a consumers name. It brings to memory some of the practices from a high profile bank that the CFPB investigated in 2016.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 38637	Web
I have contacted Acima several times since mid XX/XX/XXXX. I have asked numerous times for them to provide me documentation of the lease agreement that they state I am owing for lease # XXXX. There are many discrepancies with this collection. First, I am not aware of this account, but I tried to reach out to them to get all documentation first. I have been informed 3 times that they have sent this information of the lease agreement to my email and should receive it within 1-2 business days. I have YET to receive anything. I have also verified the email that they are sending these reports to, and I confirm that it is my email, but I have not received anything in my inbox nor spam. Apparently, I have a lease in my last four social of XXXX and another lease with the last four social of XXXX. Every time I talk to a representative, I am given a different balance on each occasion ( in which none actually matches the amount shown on my credit report ). On the last conversation, I explained to the supervisor ( XXXX XXXX. ) that I am not aware of this account, and since then they have denied providing any more information. She stated that since I informed them that this could possibly be fraudulent activity, they can not share or provide any more information with me.
05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
ACIMA DIGITAL FKA SIMP XXXX XXXX {$1500.00} I just disputed this inquiry and below I will be attaching documents that I paid for this furniture by cash app in full At XXXX XXXX Yes I did buy and pay for furniture I only signed up for acima digital because I was told I had to do a credit application to get the items I ended up paying two payments a week apart of each other because I didnt want a lengthy process when paying for furniture in full I did create a credit account for Acima and put my payment information on file but didnt use the credit because I ended up going through the furniture store to make two payments to pay off the furniture I brought a recliner living set I paid {$1000.00} XX/XX/XXXX And another {$1000.00} XXXX XXXX Which means someone in the store charged me for services I didnt inquire and for an item I didnt receive So again my privacy has been violated Under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 This is identity theft because I didnt authorize my personal identity to a debt for items that I didnt obtain or receive I am filing an identity theft report with the ftc Because someone at the furniture store used my identity to obtain product from my personal information
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
In accordance of 2010 California Code Civil Code Title 2.96. XXXX XXXX XXXX section XXXX states : A lessor shall not report any late payment, default, or repossession to a consumer credit reporting agency, as defined in subdivision ( d ) of Section XXXX, or to an investigative consumer reporting agency, as defined in subdivision ( d ) of Section XXXX if the lessor ( a ) advertises " no credit ... '' XXXX states : A lessor shall not engage in any unfair, unlawful, or deceptive conduct or make any untrue or misleading statement in connection with a rental-purchase agreement, including any violation of this title. Acima Digital XXXX XXXX clearly advertises " all without credit '' on their website as stated very big bold letters that states " Get the things you love all without credit '' The statement " all without credit '' verbatim mislead me into believing there will be no credit check and/or inquiry of my consumer reports. Acima has very clearly violated these laws stated and have reported an Acima lease # XXXX as a charge off on my XXXX consumer report, reported payments as late, and harmed my personal and financial livelihood. This action made by Acima is unfair, unlawful, and extremely damaging to my XXXX consumer report.
05/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 184XX	Web
I am in a lease instalment loan with acima credit cost of lease total of the buy out option is {$980.00}. On Saturday XX/XX/XXXX my guitar broke under normal wear and tear due to a faulty guitar that has a bad part on it. Speaking to a proffesional guitar repair company the damage is going to be a few to several hundred dollars due to having to order speacial parts to have to fix it. Section seven states i am liable for loss damage and theft only if i am negligent and they bear the burden of proof that establishing that. I called and spoked to XXXX on XXXX XXXX at XXXX XXXX. She stated that acima does not have to cover it but the warranty from the factory might. Secction 8 at the bottom does advise there could be warrantys or insurances that acima does not offer also in section 8 first sentence states they are required to maintain the property in good working conditions at no further payment cost or fees to me. i have to know pay the cost which cost just as much as the guitar and im know having to wait to pay until acima loan is up or they discharge they buy out payment and make this my problem then to pay for the guitar as stated in the contract. Under the agreement they also own the property hence why they must maintain it.
06/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27612	Web
On XX/XX/2022 I purchased a sofa and recliner from XXXX XXXX XXXX through a leased to own company called Acima. I received the sofa on XX/XX/2022 the recliner was on back order and to be delivered by XX/XX/2022. Acima offers a 90 day same as cash option for lease items, I paid my lease on XX/XX/2022 well within the 90 days. I did not receive my recliner the furniture store kept pushing the delivery date out further than expected so I decided I did not want the recliner due to it not being delivered in reasonable amount of time as promised. I contacted Acima on XX/XX/2022 to request a refund for the recliner the customer service rep. told me it was out of their hands since the lease was paid and closed, and referred me back to furniture store. I contacted my credit card compony on XX/XX/2022 and filed a dispute for {$890.00} for the recline I did not receive. I contacted the furniture store on XX/XX/2022 and informed the of the I wanted a refund for the recliner they agreed. On XX/XX/2022 XXXX refunded my total final payment of XXXX I did not ask for nor did I dispute that amount. Now Acima has reopened without my consent, the lease that I paid in full over a month ago and trying to say the account is in collection.
10/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79706	Web
To Whom It May Concern, This complaint is in regard to a company reporting information on my consumer credit files which have been disputed by myself prior on multiple occasions and which the company reporting the data refuses to provide information on. The account in question is unknown to me as stated. I have asked for documentation from the original source and for it to be provided in accordance with the Fair Debt Collection Practices Act which states that original documentation must be provided to me upon request so that I may tailor an adequate response or more accurately detail my dispute. No such information has ever been provided with the company outright ignoring my claims. I contest this debt and am asking this agency, which has assisted me in the recent past regarding getting other companies to comply with my requests, to assist me in this final item. I also grant this agency full access to my account, the dispute history as recorded by the bureaus and the multiple attempts made on my behalf which have been rubber stamped and not fulfilled with any due diligence whatever. I further ask that this agency keep an official record of any and all communications by Acima Digital in regard to this complaint.
01/04/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NY 14450	Web
Please refer to information in XXXX. An account at Acima Digital was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim Acima Digital XXXX XXXX XXXX XXXX XXXX XXXX Floor, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. I have never opened an account with Acima. I am in the process of buying a house and if this causes any issues, I will pursue legal action against Acima and seek compensatory and punitive damages. Please remove any and all information from any and all my credit reports. I can be reached at XXXX XXXX XXXX My full name and address are below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46219	Web
On XX/XX/XXXX I paid Acima Credit my final settlement agreement payment to close and fulfill an old debt. I was advised that this would be updated on my credit report in 30 days and it would reflect as a paid/settled account status. I reached out to Acima on XX/XX/XXXXto advise that my report had still not been updated with XXXX and the representative, XXXX, advised me that an update had been sent to the credit bureaus on XX/XX/XXXXOn XX/XX/XXXX I reached out directly to XXXX who advised me that the account was still reflecting as a derogatory charge off. The representative at XXXX opened a new dispute on XX/XX/ along with my settlement confirmation receipt that I received from Acima Credit and Acima responded to the dispute on XX/XX/ reporting that the account was STILL charged off and in a derogatory status. Today, XX/XX/XXXX I reached back out to Acima and spoke with a supervisor by the name of XXXX that could not provide me any additional information behind why my account is still incorrectly reporting and negatively impacting my credit. I am in the process of trying to buy a home and Acima Credit is reporting incorrect data that is hindering the process and impacting my credit score and credibility.
02/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63135	Web
I had an account with Acima Credit and was told by Acima, that making a settlement payment would rectify my account. My paid the settlement agreement on XXXX XXXX. In XX/XX/2020 I contacted Acima by phone asking why the account still shows on my credit report. Acima assured me that by disputing this account with XXXX would be the best way to go to have this collections removed. So I disputed the account only to have Acima update the account stating that I settled the account in XX/XX/2020, which then resulted in my payment history to show as a new collection item for XX/XX/2020 as well as XX/XX/2020. I contacted Acima and XXXX over 20 times a piece begging for them to update my file with the correct dates for settlement and correct payment history. I understand that having those 2 recent history for XXXX and XX/XX/2020 is negatively affecting my credit and it is hard for me to find a lender to assist me with purchasing a home. I am requesting that the entire account is removed from my credit file considering Acima is reporting inaccurate information. Acima simply will not correct their wrong doing and XXXX is allowing Acima to report inaccurate info knowingly notated the actual settlement date.
07/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	UT 84081	Web
I went to XXXX XXXX XXXX and purchased 4 tires. I used cima credit. My initial total amount was {$580.00} and with the {$50.00} finance charge cima charges, the total cash price was {$630.00} and change. I was clearly advised that I had 90 days to pay that amount off or I would be pay a substantial amount more. I paid {$400.00} total to date and assumed I had {$230.00} left to pay only to be told by a supervisor that in fact I still owed over {$300.00} due to more fees and taxes. This was a deceptive practice because I was tricked into taking this finance option with the understanding I would be paying a certain amount and now I am being told that too bad you signed the contract so you should know better. As a finance company, their role is to ensure that merchants that are offering their product are giving correct information and not deceiving customers into paying more than was agreed upon signing of contract. It is very frustrating because I spoke with a supervisor named XXXX XXXX XXXX XXXX who basically told me sorry but you have to take it up with merchant and we will not do anything even though we know merchants are giving our customers deceptive information when signing contracts.
12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30078	Web
I am making this formal compliant about Acima Leasing and an account they are continuing to try to debit my account and collect on an account I returned. Acima is a leasing agency and I obtained a sofa/loveseat set and requested that the items be picked up. According to Acima, you can return the merchandise with no penalty. I contacted Acima on XX/XX/XXXX requesting that the merchandise be picked up and that I was exercising my right to return the merchandise. On that day or days following, Acima agreed and sent an email on the procedures to return the merchandise, which I compiled. The instructions were to donate the items to a non-profit agency and that would conclude the lease agreement. I contacted a non-profit agency, XXXX XXXX, and scheduled a pick-up. The items were not picked up by XXXX and I had to take the items to XXXX for donation. Acima did not accept the donation receipt and have now added the items to my credit report as well as continue to debit my account without my further authorization to try to debit my account via XXXX. The very day that I asked for the items to be picked up, they added the account on my credit report for 3 times the amount of the purchase price.
06/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
Recently I reviewed my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. If the account can not be verified, your company must delete the account from my credit report.ACIMA CREDIT XXXX XXXX # XXXX, XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX # XXXX
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90630	Web
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
01/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web
ACIMA DIGITAL has an account reporting to my credit report that has been proven to be fraud. I called them and spoke to a representative on XX/XX/XXXX regarding an account that has recently been added to my credit report. I have disputed this account through the 3 credit bureaus and the company stated they were able to verify this debt as mine. Upon speaking to an ACIMA representative, they had an incorrect email and home address where I have never lived. This account is a FRAUD. I was advised to email my police report for identity fraud. On XX/XX/XXXX, I went to he police station and filed a police report and emailed the copy as advised and asked ACIMA to please remove this item from my credit report immediately. On XX/XX/XXXX Acima responded via email and stated that I sent them a police report that was " unredacted '' as if they insinuating that I made changes to the official document. They received the official document tat i received from the police department and are not removing this fraud account which is hindering me from moving forward with my financial goals. Please assist in getting this company to remove this debt! I don't know what else I can do. Thank you.
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
On XX/XX/2022, I sent filed a complaint stating ACIMA was furnishing inaccurate information to the credit reporting agencies and that I want the information deleted because of these inaccuracies. They responded on XX/XX/2022, stating that they believe they are reporting correct information to the credit reporting agencies and that they have a right to report even after I showed them the law that states my consumer report excludes transactions and experiences from my report. The company said they did their investigation and that everything they were reporting was accurate and true and would send an update to XXXX. Well in my credit report I found they were not reporting accurate information and in the letter, they sent me there were a number of inaccuracies. I have attached all of this information to the complaint as proof. On my credit report, the date opened does not match what they state in their letter nor does it match said lease agreement. The total balances don't match whats stated on my credit report vs the lease they sent. The signature says it's electronic and it is not my actual wet signature nor did they provide proof of identification to show that it was mine.
08/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 524XX	Web
in XXXX i tried to buy a mattress and have it leased through acima. i never received the mattress and in that time i had also loss my phone number yet i still contacted acima telling them i never received the mattress and would not need to have it leased anymore. in XXXX i realized that it is still trying to be collected even though the lease wasn't needed and i never got the product it was intended for. they still wont remove it and say i still owe. I have contacted this company and the company i tried to get the mattress through and both were non-caring and very unhelpful, needless to say if it seems like a scam it probably is. The original company i tried to work with went under for fraud and a new owner is running the mattress " company '' he wouldn't have had to owe anything all he had to do was cancel the order to the lease firm. he would not do so for no apparent reason other than to make my life difficult and teach me a lesson. I just don't understand people anymore and dint want it to be this big of a deal but if the original person went away for fraud you think he would try to make the company look good, but like i said before if it looks like a scam it probably is,
07/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 72764	Web
I contacted Acima on XX/XX/2023 to pay off a total amount debt that was owed to the company. We settled on a particular figure, I paid that amount, at that moment using my debit card and they accepted the pay off terms. XX/XX/2023 I contacted Acima again asking that this be reported to the credit agencies because it was still showing as an ; Active, Open and Collections account W/a balance on the credit reports. I was told my their call center representative that he initiated the reporting to the credit agencies. XXXX, XXXX XXXX I once again am notified by my credit monitoring company that the account is still showing as active, open and with a balance. Same day I contacted Acima and ended up speaking with XXXX ( the XXXX ) who basically told me that they don't have to report it, if I wanted something done to submit it in writing and they had 30-45 days to report it. I reminded him that this debt was paid in XXXX of this year and he told me that this is what will happen, no one is there to take my call or assist. I asked him to please resubmit the information to the credit agencies and he refused. I am going on 5 months now with this effecting my credit rating.
08/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33511	Web
Per my agreement I agreed to my account being charged weekly on my payday which is ( Fridays ). Since the 1st payment they have not charged my accounts on the correct day. I had payments taken out the immediate ( Monday ) before my payment was due from my checking account originally. They caused me 2 NSF fees attempting to draft from my account on ( Monday ) instead of taking the allowed payment ( Friday ), as per the agreement. I moved the payment to a secondary account for my debt card to be charged, and had a billing rep move my due date to ( Saturday ). cima has tried to withdraw 2 payments from my account Monday XX/XX/22 & Tuesday XX/XX/22 which were not on the scheduled date. I spoke with a Supervisor at cima and had them remove automatic payments and any other accounts or debit cards from the account before they made anymore payment attempts not on the agreed day. After removing automatic payments a week ago the tried again to charge my account on XX/XX/22 a day that was not my agreed upon due date. cima is now trying to charge me a NSF fee and late charge for them once again not withdrawing from my account on the agreed upon day which should be Saturday.
03/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28262	Web
I Applied For A No Credit Check Loan With Acima To Have Repairs Done On My Car Back In XXXX Of XXXX. However, This Company States On Advertisement No Credit Check But They Reported This Loan On My XXXX Credit Report Which I Wasnt Aware Of Until I Pulled My Credit Reports. Ive Used No Credit Check Companies In The Past And Nowhere Did They Ever Report To Credit Bureaus As Advertised No Credit Check. Also, I Caught XXXX Twice And This Company Has Milked Me Out Of Tons Of Money Every Time I Had To Change My Payment Dates They Increased My Payment Weekly. I am a retired single woman and Had To Stop Making Payments On This Account As Of XX/XX/XXXX Because The Representive Never Told Me I Had To Now Pay {$110.00} Per Week Until My Lease Is Up As Of XXXX of XXXX. These companies Shouldnt Be Allowed To charge consumers all this interest On items as they do if the items isnt paid off within 90 days but a reasonable Amount Of Interest Sounds Fair. I stopped payments with my bank as of XXXX of XXXX because after they reviewed the call, they realized the Representive didnt inform me of the increase payments for like the 3rd time that I had to change my payment due dates.
01/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80033	Web	Older American
I needed glasses badly so I went to XXXX XXXX to get credit with XXXX. I have been making my payments, they take them out automatically from my back account. I knew they were going to take the last payment out on XX/XX/XXXX when I get my Social Security so I checked to see what the remainder would be. It was {$64.00}. I paid that so that when they automatically took out the {$120.00}. I would be done with it on an early payout. If you don't do the early payout then your obligated to pay the full amount. My loan for my glasses came out to {$670.00}. The full amount was {$1500.00}. As you could see I certainly wouldn't want to pay the later amount. They didn't take out the automatic payment as expected on the XXXX of XXXX. I waited and finally called them today and spoke to XXXX. I'm just recovering from XXXX so I haven't been able to work. My final day for early payout is XX/XX/XXXX. I believe they purposely didn't take out the payment to keep me oweing the full amount. This is a scam to keep consumers obligated to pay the full amount. When I talked to XXXX he said they could extend to XX/XX/XXXX for another {$100.00}. This type of credit needs investigation.
06/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 275XX	Web
On XX/XX/XXXX I called AcimXXXX and spoke with a Rep about my bi-weekly payment not being processed. He said usually they will process before for after the date given if you have it on automatic payment which I did not know. He also stated that my payment bounced, it did not the money was in my account. We went back and forth about about that issue and I told him I wanted to to close my account on the date XXXX for {$230.00}. He became agitated because I told him to please stop saying my payment bounced. After my bi-weekly payment was taken with my debit card he hung up on me which was very rude because I was on my break and Idid not have time to call back and report it. I called on XX/XX/23 to see why they did not take the payment to close my account and I was on hold back and forth for a little over an hour for them to listen to the call which was inconveniencing. The supervisor mentioned that I did not say yes to close my account but that was what our conversation was about after we discussed my bi-weekly payment. They said I will owe over {$500.00} now and no one ever apologized for the representatives behavior. Customers should not be treated this way.
02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 270XX	Web
I FINANCED FURNITURE THRU XXXX XXXX AND WAS TOLD IT WAS FINANCED THRU ONE COMPANY, WHEN TWO COMPANIES TOOK MONEY OUT OF MY ACCOUNT I REPORTED THE COMPANY I WAS UNAWARE OF AS FRAUD, XXXX XXXX DID AN INVESTIGATION AND DECLARED IS WAS FRAUD AS WELL, THREE MONTHS LATER THE COMPANY CALL ME AND TELL ME THERE GOING TO REPORT IT AGAINST MY CREDIT, AFTER THEY CONTACTING ME FOR THREE CONSECUTIVES WEEKS AND SENDING ME A CONTRACT THAT WAS ELECTRONICALLY SINGED ( WITH MY NAME BUT NOT BY ME ) I REALIZED THEY ALSO FINANCED MY FURNITURE SO I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME, A FEW MONTHS AFTER THAT I WAS CONTANTED SAYING I NEEDED TO PAY THE {$590.00} DOLLARS THAT I DISPUTED THRU THE BANK I REFUSED TO GIVE THEM MY BANKING INFORMATION AND THEY REFUSED TO TAKE A MONEY ORDER AFTER A FEW WEEKS OF ARGUING THEY AGREED I CAN GET A PREPAID VISA AND PAY THE TOTAL, WHEN I CALLED BACK TO PAY, THEY REFUSED AND NOW ARE CLAIMING THAT I OWE THREE THOUSAND OR SO ODD DOLLARS AND I REFUSE. I AM WILLING TO PAY THE MONEY THAT I DISPUTED THRU THE BANK BU NO MORE THAN THAT, THEY HAVE NOW REPORTED IT AGAINST MY CREDIT BUT I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME OF {$3600.00}.
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	IN 46214	Web
On XX/XX/2019 I went to XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX IN XXXX their phone number is XXXX XXXX, I was shopping for bedroom furniture, I saw a headboard, night stand and dresser I liked it was listed for {$690.00} cash, the sales man who I believe owns the store advised me there was an option for financing option, I just had to fill out an online application if i had a checking account, I filled out the application I was approved for {$750.00} financing. I tried paying {$50.00} down payment with a XXXX card it was rejected my girlfriend was with me, the man then said if u can pay {$63.00} to him he will use his card we did that, deal was closed I picked up my furniture, he said since I took financing option my total was going to be {$820.00}, he gave me a receipt for that same amount I still have it, to my surprise a week later I received an email from the Acima finance company stating my total was {$1800.00} with bi-weekly payments of $ XXXX tax it says, this is predatory lending these terms where never discussed, there was never a loan estimate provided, Ican provide copies of receipts and the email I received at your request
04/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 750XX	Web	Servicemember
ACIMA -- I CALLED THIS COMPANY SEVERAL TIMES, TO EXPLAINED THAT I WAS GIVING THE WRONG INFORMATION. I GOT THE FURNITURE IN XXXX, I CALLED THIS COMPANY ONCE I RECIEVED THE FURNITURE THAT I WANT TO DO THE 90 DAYS SAME AS CASH, THE REP SEEM AS IF I WAS BOTHERING HIM. HE TOLD ME YOU CAN DO THAT ANYTIME, I EXPLAINED I BOUGHT FURNITURE FROM YOU SEVERAL TIMES, AND THIS NEVER HAPPENED, THE REP ALWAYS SET IT UP FOR ME. TIME WENT BY I FELL BEHIND AND WAS GOING THRU HARD TIMES, I ASKED ACIMA, CAN THEY GIVE ME A LOWER AMOUNT OR PUT ME ON A HARDSHIP THE SUPERVISOR, START TALKING TO ME CRAZY, AND I TOLD HER I WAS GIVING THE WRONG INFORMATION AND I HAVE BEEN WITH YALL FOR A LONG TIME AND NEVER HAD THIS PROBLEM. WHEN YOU DO NOT PAY 90 DAY SAME AS CASH YOUR AMOUNT DOUBLE WHICH IS UNETHICAL, THEY SPEAK TO YOU RULED THREATING ME ABOUT PICKING UP MY FURNITURE WHICH I ALREADY DOUBLE PAID FOR IT. THEY CALLED ME SEVERAL TIMES A DAY, I FEEL ABUSED BECAUSE WHEN YOU CALL NO ONE WANTS TO HELP YOU. THE SUPERVISOR, INSTEAD OF TRYING TO HELP YOU, SHE SPEAK TO YOU NASTY. PLEASE HELP ME. ACIMA, TAKE ADVANTAGE OF THEIR CUSTOMERS. I HAVE PAID OFF ALL MY FURNITURES BEFORE WITH NO ISSUES.
11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19144	Web
Over the last few months I have disputed this account with your company ACIMA CREDIT XXXX XXXX with XXXX. Each time XXXX come back and tell me this debt has been verified. XXXX claims that your are verifying the debt in which I know this isn't true. If it is is true you are negligently and willfully violated the Fair Credit Reporting Act. ACIMA CREDIT XXXX XXXX is negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely if and you can not supply that and report accurate information to XXXX that they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act. Please also, give me information on when the last time XXXX sent over to you to do an investigation of the account that I am questioning as well as they may be liable for not investigationing my claims per XXXX Credit Reporting Act.
11/21/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AR 721XX	Web
Enter store to browse products to support a local new business. Find hedge trimmer ( value {$40.00} ) and laptop ( value {$200.00} ). Decide to finance instead of cash payment. Employee tells that I am approved for {$5000.00} line of credit. Employee tells that I can pay it off at {$26.00} per pay period until the SALE PRICE of {$240.00} is paid off. Employee did NOT inform me that I had to pay it off in 90 days, or suffer the consequence of a payoff amount of nearly TRIPLE the value of the original equipment being financed. This is predatory, unfair business practices and this company should be shut down. Period. I have paid to date, at the time of filing this complaint, {$310.00}. The loan is satisfied. I do NOT want a refund and I will GLADLY return the equipment, which has seen minimal use since purchase. I want OUT of the rest of the payments as scheduled. I will NEVER EVER use this company or its credit agency again. And, I will be sure to inform ALL of my friends, family, and associates about its business practices. This ( attached ) lease agreement that I " signed '' has an electronic signature that was typed in by the EMPLOYEE, not me.
09/30/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	IL 60634	Web
ACIMA CREDIT F/K/A XXXX is the name of the company appearing on my credit report for an outstanding balance of {$2400.00}. The account was opened XX/XX/2020 as " Leased '' according to my credit report. I filed a dispute with the credit report company to have this discrepancy removed because I did not open this account. ACIMA CREDIT insist that this is my account. Since the credit reporting company was unable to resolve this issue, I contacted ACIMA today and so far no results. I asked the employee what is required to open an account. I was told a checking account, I.D., and phone number. So, how did ACIMA get my social security number? No response. Please note that I do not have any inquiries on my credit report from ACIMA. Therefore, ACIMA did not request a credit report. ACIMA opened an account for someone and expect me to pay. I am annoyed and angry because I can't refinance my mortgage due to the drastic drop in my credit score and 60 day late payment. If this has occurred to others, a class action lawsuit is necessary to teach ACIMA to respect consumers credit reporting and opening of new accounts without accurately verifying the consumer.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90630	Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, ACIMA DIGITAL FKA SIMP XXXX Open Date XX/XX/2021 Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
04/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30044	Web
XX/XX/2023 amount : {$1600.00} + XXXX fees Actions are taken by self To whom it may concern : After reviewing my cedit reports I noticed that you are alleging that the following accounts are negative without furnushing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can furish the validity of the remark. I am not in dispute with the ownership of this account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit. Under 15 USC 1692b. ( " Acquisition of location information '' ) It states a debt collector can not state that the consumer owes any debt. ( 15 USC 1692b. " ( 2 ) ) Best Regards WithOut Prejudice, All Natural Inalienable Rights Reserved
09/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83835	Web	Servicemember
i had two accounts with this company. In XXXX i attempted to pay one off i called to make the pay off that was listed online they told me that the amount had changed because they had already started the process to take the next month payment out, and that the process could not be stopped. So i paid the higher amount to get the account paid off. Then in XXXX. I called to set up a automatic payment for XXXX to pay off my second account. i waited all day and there payment never went through so i called them on XX/XX/XXXX and asked them what was going on. they gave me a new amount to pay off. when i explain what had happen they said my bank declined the charge. i spent over 1 hour on the phone talking to 3 different supervisors and none of them were will to help me at all. I offered them to take them money they had started the payment with minus what the quoted me and i would pay the difference and the said no. So i went down to XXXX which is my bank they had no record of declineing any charge and i blocked all charges from this company until they decide to do buisness the right way. i am a XXXX veteran and every dollar counts to me
08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38115	Web
I have already filed a complaint with the CFPB which nothing was done and my rights have been violated in accordance to 15 USC 1681. This company has and still is reporting INACCURATE/INFORMATION! They are reporting a charged off account for a phone as a vehicle lease WHICH IT WAS NOT. They have violated TILA as well I was not disclosed the actual and correct price for the property. I have attached evidence in my last dispute. I have been denied a apartment for me and my kids to live and this has caused stress and anxiety trouble at home. The Fair Credit Reporting Act as put in place to protect consumer from instances like this one! They are now reporting XXXX on my credit report which is false and has caused STRESS!! This is not ACCEPTABLE for this company Acima to do what they want with disregard for the LAWS, RIGHTS of a litigious consumer. I will be exploring my options with an attorney as well. I hope the CFPB enforce the LAW this company has violated me to the upmost. I have attached copies. They have not responded to my affidavit which was notarized. The tracking # for the USPS is XXXX which you received XXXX XXXX @ XXXX.
03/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24551	Web
XXXX XXXX shows a {$6100.00} account with Acima Credit in Utah on my report that I have no knowledge, never authorized, and did not open or obtain. I noticed this in XXXX, XXXX, after the account was opened on XX/XX/XXXX. Opening this account reduced my XXXX XXXX score by about 60 points. I have filed complaints directly with XXXX and Acima and neither seems willing to correct this. Acima has been slow dealing with this and give the impression they do not care or believe me with my complaints. As they instructed, an Identity Theft / Fraud report has been filed with the XXXX XXXX Virginia Sheriffs Dept regarding this. XXXX XXXX is the officer handling this matter. Acima has been provided with a copy of that report. It has been redacted in accordance with Virginia Statutes of personal information not relevant to Acima by the Sheriff 's office. Acima does not accept this as sufficient information. As of today the false account is 30 days plus overdue and it has caused my credit score to fall by about XXXX points in addition the prior decrease. From what I see on XXXX the first due payment on the account was never made.
11/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33172	Web
On XXXX XXXX I made this " purchase, rent '' of 2 mattress in XXXX, XXXX XXXX XXXX XXXX XXXX, for the amount of {$860.00} with a down payment of {$53.00}, later on I made a phone call to the company ( ACIMA ) making a plan of liquidate the purchase in 3 months to pay early in order not to get interest. First off all in that phone call no one specified me that if I miss a payment I would be place in a new contract with this tremendous inhuman interest rate. Well, without letting me know they subtract from my Visa Card my first payment of {$280.00} on XX/XX/XXXX, on XX/XX/XXXX they subtract the second payment of {$280.00} out of 3 payments agreed, when they try to collect the third payment again without letting me know, the credit card company where I was making payments with, reduced my credit line and I had no notice of that, leaving the third payment without enough founds to cover. ACIMA did not have the courtesy of notify me immediately, I would of find another payment method to cover this final payment. I try to make this final payment as agreed but they did not accept and now they are charging me a total of {$1200.00}.
12/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 952XX	Web
I recently found out I was a victim of identity fraud ... My stolen information was used at a company called Acima which I've not heard of ... I lost my wallet with phone attached earlier last year and had to replace everything .. I advised Acima and they do not care and still wants me to pay.. I did some research online and found out Acima is know for allowing identity fraud, they don't have my address on file because the merchandise was not sent to me.. They never mailed me anything advising me of this account because it was not me ... They claim to have my email on file but I advised them my phone was taken as well and email was hacked.. I changed my password upon finding this out. I have been trying to have this item disputed but Acima is very unprofessional and are treating me poorly when I am a victim. Why can't they mail the bill to the address that recieve d the merchandise? Why do they not ask for picture I'd and verify? The account was opened in my name over a year ago and I'm just finding out about it.. I filed a police report and gave a copy to Acima after they asked for it and they still don't care.
08/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 368XX	Web	Older American, Servicemember
I reached out to the company, XXXX, because a charge off appeared on my credit report for {$3900.00}. I called them to let them know that I never received all the merchandise that I ordered from XXXX XXXX on XX/XX/2020, and because of Covid the furniture was not readily available. I only received the Bed, consisting of a queen foundation, mattress, footboard, rails, and headboard which totaled {$880.00} shortly after I ordered. I never received the two night stands, dresser or mirror which totaled {$810.00}. They never sent any monthly statements to me because all merchandise was never received. I was told that that the contract does not start until all merchandise is received. This company has all my personal information including my social security number which according to 15 USC 1602 ( l ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. According to 18 USC 8 all obligations are the responsibility of the United States. I demand the charge off be removed from all credit reporting agencies.
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76123	Web
I just reviewed my credit report from XXXX XXXX website yesterday XX/XX/XXXX and noticed a previous company Ive used is reporting to my credit bureau incorrect amounts for my past purchases and they specified that the loan was for a vehicle which is incorrect. I tried calling on XX/XX/XXXX at XXXX cst this was a 8 minute call and the agent was rude not acknowledging the reason for my call or request. He kept deflecting by repeating himself saying they dont report to credit bureaus and there is no credit department to transfer me to. So hung up and tried again to XX/XX/XXXX at XXXX cst this was a 8 minute call as well, this person said he was a supervisor and that he would send a request to the credit department but can not guarantee that my credit report would be updated. I in turned replied It is required by law you remove the inaccurate information under the FCRA, The law states that any inaccurate information you report to my credit bureau must be immediately deleted and provide written confirmation He stated again he couldnt guarantee it so I told him I will file formal complaint with CFPB and the FTC
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 295XX	Web
Upon check my credit file, I notice immediately that I had become a victim of identity theft that. I immediately took action by contact the 3 major credit bureaus and file Police/FTC to have these account removed from my credit filing. I was able to get these fraudulent account resolve, except for 1 with the company ACIMA credit. I immediately reach out to them once i had got a response from the credit bureay XXXX that my dispute had been denied. Upon reaching out and speaking with a representative of the company where they told me, they did find accounts with my information attached but with different name listing, i was then told to email the fraud department and that i would get a response by email or call in 2-3 days, several days had passed and i received no contact from the company, I repeated this step again.. called 3x and on the final time i was told to resubmit the email.. still no response.. THis account is for {$2100.00} but it is stated to be charged off.. I would to have this matter resolved as i have not beneifted nor authorized the use of my information to obtain anything with this company
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76013	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
03/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80550	Web
On XX/XX/XXXX somewhere in New York at the store XXXX XXXX XXXX a lease was applied for in my name using an email and phone number that is not mine. They applied for a lease through the company Acima, a lease to own company in my name. They also used an address in New York and I don't live in, never traveled to, or been in the state of New York-I live halfway across the country. I am now in default of this lease and it is negatively impacting my credit score and is now 60 days past due and is in collections. I contacted Acima today, on XX/XX/XXXX and Acima will not help me dispute this. They told me to contact the credit bureau reporting it, that is helping but I need this taken off of my credit report. Acima is doing nothing to help me and it took 3 phones calls and 3 representatives to even get the name of the vendor : XXXX XXXX XXXX, they weren't going to release it to me. I also had to beg for an email address that isn't tied to me at all. They treated me like the criminal. ACIMA Account XXXX XXXX Date opened XX/XX/XXXX Balance as Balance updated XX/XX/XXXX {$5900.00} Original balance {$5400.00}
10/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38583	Web
None of the choices before this, matched my complaint. I chose the closest fit. I got a mattress as a " lease '' with Acima credit. I was not able to pay off in 90 days, at which time, the lease more than doubled. I was never sent or given a truth-in-lending, just a generic paper showing that the mattress was {$600.00} and I paid down {$100.00}. I contacted Acima three different times upon finding out the amount of interest they charge and told them to pick up the mattress. They refused, saying they needed pictures of the mattress, which I am not equipped to do. I told them by email three times to come and get it. It is now showing on my credit report. I feel this company does not operate legally. The complaints on their XXXX page and XXXX page are reflective of this, with almost all customers saying they did not receive appropriate paperwork. I would like this removed from my credit report ASAP. If they want the mattress, they can still come pick it up. I refuse to pay {$1700.00} for a {$600.00} mattress, that several payments were paid on before seeing the amount they charge in interest.
12/21/2020	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 Was not notified of investigation status or results	TX 75010	Web
Acima has violated my FCRA rights with there inaccurate and/or inconsistent reporting. Upon viewing my credit reports I noticed ACIMA CREDIT XXXX XXXX had a discrepancy in the " payment history '', " date of last payment '' and " payment status '' section of the listings. XX/XX/XXXX is reporting a '' payment status '' of '' unknown '' yet in my payment history for whatever reason this item is reflecting as a charged off account. XX/XX/XXXXis also reporting a " date of last payment '' of " XX/XX/XXXX '' but in my pay history it reflects on time payment for the months of XX/XX/XXXX and XX/XX/XXXX however for the month of XX/XX/XXXX its reflecting as a charged off account. How can I be " on time '' and '' charged off '' at the same time? Im sure you can see my confusion on this matter Correct? XX/XX/XXXXis reporting my " payment history '' as a whole in a matter that's inconsistent. If it was intended for this item to be collections/charge-off then no payment history at all should be reflected. If this is the same account, reported by the same creditor how are these numbers and dates so inconsistent?
08/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92841	Web
Note : I have ( 2 ) previously satisfied accounts through this vendor. On XX/XX/2021, I purchased a product through Acima ( Lease-to-Own ), with a ( 90 ) day option to satisfy the purchase agreement. On XX/XX/2021, I called Acima to determine the ( 90 ) day option ending date, and the amount needed to satisfy the agreement. An Acima employee stated : " The ( 90 ) day option expires on XX/XX/2021. '' On XX/XX/2021, I called Acima, prepared to satisfy the ( 90 ) option agreement amount. An Acima representative informed me, the ( 90 ) day option expired on or around XX/XX/2021. I referenced the previous call and asked them to review the notes from the previous contact. I was informed there weren't any notes of the call, and I would be charged the entire amount. I am of the belief, Acima misrepresented the terms of the agreement. I have purchased several products through a " lease-to-own '' company, and never had any issues with the terms and conditions. Acima advertises as a " no credit needed '' solution for purchases ; however, Acima has placed a " delinquent account '' notice on my credit report.
10/07/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	GA 30126	Web
I opened two separate accounts with this company Acima. One was a Jewelry account and the other was a furniture account. I had a discrepancy with Acima over the the date the furniture was received which in turn would affect my 90 day payoff amount. I spoke with their supervisor he quoted me a payoff amount as long as the date I quoted them, based off when I received my furniture. I payed the exact amount he quoted me to pay the account off. I called back to check on the account a few days later and there was another charge, called backs again after that about a week later and the charge kept increasing. At the time no one would close the account even after listening to the previous conversations that were recorded. I became frustrated and let them know I would not pay any more money on either account ( including the jewelry account ) until the situation was rectified. The account was finally rectified weeks later but they had reported to the credit bureau a 30 day late payment. Both accounts have been paid and cleared but the 30 day pay is still on my report and has dropped my score by 50 points.
02/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CT 06902	Web
I purchased from XXXX online & I received contract via my email from Acima XXXX, I agreed & the merchandise came as I requested. My initial processing fee of {$45.00}, they collected {$47.00}, monthly payments XXXX they collected plus tax {$110.00} ( 3 ) times then 3 month early buy out was available & XX/XX/21 Sunday. Ive paid on time per my contract, they didnt send me all my receipts for my payments. When making final buy out they added a XXXX + for nsf. I confirmed with my bank not true. I called customer Svc @ Acima & rep XXXX refused to refund me overcharged funds, I asked for a supervisor XXXX refused too. I was appalled when supervisor refused & became very unprofessional & fabricated how I didnt pay on time which is untrue. I have direct deposit every month for the XXXX & XXXX, I confirmed with my bank before calling Acima, the supervisor didnt even treat me as a valued customer, I paid on time & did early pay out in full, its unfortunate how were in a horrible pandemic plaguing the whole World & Acima is taking advantage of their customers. My concerns may be minute, its the principle!
06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA XXXXX	Web
I have previous sent an email of a police report on XX/XX/XXXX to XXXX regarding fraud activities. I never received a response back. I have sent a certified debt validation letter to Acima on XX/XX/XXXX. Acima responded back requesting additional information such as DOB and SSN, I also provided them with the full alleged account number. On XX/XX/XXXX, I've sent another certified debt validation letter which includes the requested information from Acima along with a police report that was provided to me on XX/XX/XXXX with a couple of accounts that has been fraud. The case status on the report still says pending because no one was charge with this crime. Acima responded on XX/XX/XXXX with documents that claims to validate this alleged debt. Please see attachments. I do not have a hand written signed contract. I never done business with this company. I am not not liable for the collection from this debt. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a major part in the account from Acima. I need for this company to removed it IMMEDIATELY.
07/20/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 133XX	Web
On XX/XX/XXXX I opened a auto loan and had to pay higher interest due to my debt to income. I was a little confused when I knew my debt to income wasn't that high. So XX/XX/XXXX I went to open a motorcycle loan up. I received a call from the credit union saying I have a excessive amount of payments I make monthly and they were uncertain I could afford the purchase I tried to make. At this point i wanted to see what was going on. After reviewing my credit report the credit union pointed out acima credit was reporting I was making almost $ 800 month payments and failed to report for several months and was breaking federal laws. I had to contact acima and wait for documents saying they made mistakes. This was a very stressful time and still effects me to this day. The balance acima has now is just interest. I paid the total purchase price. I told acima that seeing what I was put through and the fact I'm paying higher interest on my auto loan because of there mistakes that i want the account closed and I'm not paying the interest they want. I even offered to pay a little more but I felt they owed me
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33617	Web
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Acima XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I currently work from home. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I had to block the harrasments.
01/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
My wife was a victim of identity theft, so out of precaution we checked my credit report and found an open file from Acima Credit, XXXX XXXX XXXX XXXX FL XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX ( only XXXX, not the other XXXX reporting agencies ). We had never heard of Acima, and have not applied for any payday loans, rent to own loans, etc... ever. We attempted to resolve it ourselves with XXXX to no avail, then we involved XXXX XXXX with XXXX XXXX XXXX ( O : XXXX \|EXT XXXX / Fax : XXXX ). Together we spoke with a representative from Acima, who could not help us over the but said they would look into the matter. XXXX suggested it was probably just a clerical error with XXXX, so we filed a dispute with them and waited the allotted time for them to look into the claim. I just received their response stating they will not remove it from my credit because they said " The company that reported the information has certified to XXXX that the information is accurate. '' Again, I know this information is not correct, because I have NEVER applied for ANYTHING with this company.
06/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76137	Web
A debt in the amount of {$2300.00} has reflected on my credit. This debt is not mine, I have called several times to dispute the collection and no one has been able to even locate me in their system. He supposedly looked me up by name and phone number with no result, and when I asked him to search for me by social. It turns out they do not have my social at all, yet ACIMA is hitting my credit for this amount. This collection is causing a huge impact on my credit and I should not be having this issue, especially since this debt isn't even mine. Every time I call, I noticed I am getting the same person over and over. And when I ask for information or to speak to someone else, his response is " there is no one else I can speak to. '' While on the phone with him, he will completely cut you off, talk to you extremely rude and even laughed because I wouldn't stop insisting on more information. After speaking to this person, on XX/XX/2023 I decided to take matter into my own hands and make a police report regarding the issue. If this issue is not resolved, I will also be taking legal actions.
11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 957XX	Web
Shady business practices to start. On XX/XX/XXXX I purchased a cheap sofa and 3 mattresses from a little shop in XXXX XXXX Ca. The shop owner advised he could finance the entire amount and all he would need is {$50.00} down. I was unaware that he was putting me in not 1 but 2 very high interest loans. He did explained it was for a 12 month period but he never said how much the payment would be. He pretends to be soft spoken and kind but he is a hustler and the worst kind, he prays on the poor. He creates an environment of chaos, acting confused and flustered stating he was late for church and continually looking at his phone. He also had multiple customer purchases going on while he was inputting my information making it difficult to ask any questions. One of the loans he put me in for {$1200.00} has a {$230.00} with an ending repayment of {$2800.00} after 12 months and the other one is for {$1000.00} with a monthly payment of {$140.00} and ending repayment of {$1700.00}. Ive already made 4 payments on each loan and this is just crazy. That I cant afford to keep paying on these loans
02/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33610	Web
There is an account with number of XXXX by ACIMA DIGITAL FKA SIMP that as of XX/XX/XXXX reflects inaccurate information to the credit reporting agency as a charge off in the amount of {$2900.00} as of XX/XX/XXXX. I have requested multiple occasions the validation of this account from the furnisher but have failed to receive any information or documentation pertaining to his account. This account was fraudulently opened by a business who was no longer in business at the time this account went into collections. I have researched this account and the business that it was purchased under is no longer operating under the state of Florida. The lease agreement under ACIMA DIGITAL FKA SIMP was for a vehicle sale which the business at the time agreed upon under my name. An actual vehicle sale, not an accessory but an actual vehicle. I do not believe ACIMA has the authority in the state of Florida to proceed in the purchase of automobiles. This account needs to be removed from my report immediately due to the activity that occurred in XXXX and resulted in a charge off to my credit file.
01/04/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75089	Web
I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.
05/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28269	Web
Multiple Dispute Letters sent XX/XX/2022 to XX/XX/2022 Last Response From Acima Received XXXX/XXXX/202 By law I XXXX XXXX the consumer, sent XXXX notices to XXXX by mail about the inaccuracy of the accounts below. XXXX was given the opportunity to correct and produce all general disclosures required by law XXXX. In response XXXX responded to correct errors on the account, however Acima has failed to provide any disclosures 15 U.S. Code 1638. Disclosures are in fact a part of the accuracy of each account. Acima policy to report the consumers non public information is only applicable if all the disclosure requirements have been met by law. XXXX has reported my non public information to non affliated thrid parties without consumers consent 15 USC 6802. Acima failed to comply with requirements of the laws above that fall under Contract Law, State Law, Federal Trade Commission, and Consumer Financial Protection Bureau. ACCOUNTS : XXXX Alleged Balance {$770.00} 15 months negative reporting Total {$890.00} XXXX Alleged Balance {$800.00} 15 months negative reporting Total {$1100.00}
06/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07666	Web
I received my bill from XXXX and notice my credit score had drop by XXXX points, so I called XXXX and they told that, I have a charge off on my credit report. I explained to them that this was not my account and disputed with them twice and they come back to me with the same results. The information that the company reported is accurate and the item will not change as a result. I also called the company ( Acima Digital FKA Simple ) and spoke to them about this. However, they wanted my information so they could pulled up the account. I only gave them my name because if I would have gave any of my information they would have attached to the account. They told me that leased some stuff from them and gave my the address in which I never lived. The address is XXXX XXXX XXXX, XXXX NY XXXX. I've never lived in New York and never heard of this company, as I explain this to XXXX who has all my important information and told me I need some kind of paper work to prove that this is not my account. How can I have any paper work from a company I never did business with or never heard of.
11/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28173	Web
My account was paid and charged off in XXXX of 2018. For some reason XXXX continues to report CO 's on my credit reports. Pursuant to 15 USC 1681E, compliance procedures state that ( b ) accuracy of the information concerning the individual about whom the report relates, shall follow reasonable procedures to assure accuracy at the very minimum. Acima violated this law 18 additional times EVEN AFTER THE ACCOUNT WAS PAID. Since the balance was over {$600.00} and has been charged off as income, and the violations are still posted on my credit reports, I have asked them to remove from my credit reports and I want the remedy due me per the law. Because of Acima 's noncompliance, I have suffered and continue to suffer damages due to their negligence. I am constantly being denied housing and in turn my family and I are now homeless. Pursuant to 15 USC 1681N states that because of Acima 's negligence I am due punitive damages. I've requested a check in previous writings to them but Acima is acting above the laws. How will the CFPB punish Acima. Please advise ASAP. Thanks.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30809	Web
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Dare : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. Thank You
06/17/2023	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 30542	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76013	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
09/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30281	Web	Servicemember
on XX/XX/XXXX or on XX/XX/XXXX I called in to Acima to ask them not to bill be and to hold my payments. They told me on both dates that they had put a block on my account and that all I needed to do was to just call in to restart payments or send in mail. on XX/XX/XXXX the sent a eft to my bank the amount of XXXX. after they told me they would not. so that was a XXXX plus the XXXX bank fee. then it kept going on as follows. i ask the bank to stop acima they said they could not so i called asima they told me that they didnt attempt to get money all those time now i owe the bank XXXX in fees. XX/XX/XXXX COLLECTION FEE XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX MAINTENANCE FEE XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX XX/XX/XXXX NONSUFFICIENT FUNDS fraud XXXX XXXX XX/XX/XXXX OVERDRAFT FEE fraud XXXX XXXX XX/XX/XXXX ACIMA fraud XXXX XXXX and also another collection fee from bank
12/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77023	Web
This has been the worst furniture buying experience ever!!!!!! This company Acima is a ripoff, bad and rude customer service. You all are reporting incorrect account information, the date the account was open, the price of the lease... This company represents bad business practice. Lies and Deception. This has forced me to keep and pay for something I don't want!!!!! I have contacted this company many times by email, online chat and phone! Only to be ignored, I have been bullied by this company and my good credit has been damaged by Acima with their fraudulent business practices. I first contacted you all in XXXX of 2021 to cancel this account and pick-up the items... Again cancel this account ASAP and Pick-up the items. I DEMAND THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT. I WILL TAKE ANY AND EVERY OPTION LEGALLY TO FIX THIS MATTER. And Acima is breaking the law for reporting late payments doing THE XXXX pandemic. This will be reported to XXXX, Consumer Finance Protection BureaXXXX, The Credit Bureau, The Federal Trade Commission.
08/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
A lease was generated for a Washer and Dryer from XXXX XXXX ( order number XXXX ) and it was for a set of blue washer and dryer. See invoice attached for the specification of both machines. Upon measuring my closet, I realized the machines we're not going to fit, so I did NOT accept delivery or pick up these machines. I reached out to Acima to elaborate on the issues I've had and Acima responded with a rental contract for the machines, as it is in direct correspondence of the blue washer and dryer ( see invoice for correlation ). Acima is wrongfully reporting to my credit bureaus and pursuing an alleged rental agreement for this blue washer and dryer which I did not receive or ever have in my possession. Acima is and continue to cause me stress and anxiety and refuses to comply. I also reached out to the company that created this agreement and invoice, and they refuse to work with me. See the invoice for the machines and notice no signature for delivery. Additionally, notice the corresponding lease agreement numbers on both documents.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	TX 77511	Web
I was working for XXXX XXXX XXXX as a employee and the owner contained all my personal information. After him having all my information he created a Acima account to buy merchandise for his shop. I was unaware of this transaction and I found out about it months into the chargers on my credit report. I attempted to get it removed and failed. I let it ride out due to frustration and stress in my life. Now that I am better and figured ways to fix this situation here I am now needing to remove this. The first payment was on XX/XX/XXXX, then on XX/XX/XXXX was the first failed payment XXXX seen on the history of my credit report. Since then the charges been piling up and my credit got ruined. The charge was only {$300.00} and since the charge was not paid the late fees added up to {$2700.00}. I need this removed because I did not sign up for the account of Acima and is not responsible for purchasing any lease. I did get fraud done to me and I have a witness that Im not the first victim of fraud done through acima from the owner of XXXX XXXX XXXX.
09/20/2021	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 Problem with personal statement of dispute	NC 28214	Web
I submitted a complaint in reference to Acima kept reporting my account as 30 days late. For over 4 months, after I was told they would not report my late payments because I had loss my job because of XXXX a natural disaster. They responded that I declined a deferred arrangements with them on XXXX XXXX which is not true. I am requesting a copy of that phone call where I said I did not want to keep my credit straight by doing this. If I would have done this then I would not be in the situation I would not keep filing complaints against them. I had a 24month lease which I paid off within 7 months. They also said that it is only on XXXX well it do not matter weather they do one Credit Bureau or ALL 3 it is still harmful to my XXXX account. Late payments does matter and it show a person is not paying their bills. I didn't pay the bill, my fault that we had a natural disaster and I loss my job and had to file for unemployment and once I received it I paid the account off. I WANT THE PHONE CALL, SINCE THEY RESPONDED THAT THEY LISTEN TO THE CALL.
10/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48204	Web
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT
03/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX XXXXX	Web
Acima and XXXX are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called conns who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
03/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Acima and XXXX are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am handicap. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called XXXX who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
04/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75180	Web
signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77067	Web
XXXX Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine Acima Opened XX/XX/XXXX Account # XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA XXXXX	Web	Older American
See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. Acima Digital Fka Simp - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. Thank you.
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91042	Web
Back in XXXX I had inquired aabout an ipad from a random electronic shop i saw on an ad ; I am not disputing the actual existence of the transaction. I dont know what other language to explain to these people that i NEVER RECIEVED THE ITEM. Sender first didnt hand the package over the XXXX on time, so it was received by XXXX 2 days after he promised he'd send it, finally got to XXXXXXXX XXXX hands their delivery dates kept changing after I would wait for it alllllll day ; long story short took the whole week off work because i didnt want to lose an expensive item. XXXX somehow misplaced the item while in transit, I finally called the shop I said cancel it I dont want it. He said " I will try but because its in their hands now wed have to wait until they dont bring it and itll " EVENTUALLY '' get back in our hands, never heard from them again until collections notice. I just spent over {$4000.00} cleaning my credit from all past negative items I will NOT allow myself to be penalized over. I keep disouting but nobody seems to want ti k
03/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Acima and XXXX are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am XXXX. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called XXXX who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83442	Web
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cima digital FKA simp XXXX XXXX XXXX XXXX XXXX XXXX
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
ACIMA DIGITAL is not under any LAW required to report any of my private consumer transactional information. ACIMA DIGITAL HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed ACIMA DIGITAL on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that ACIMA DIGITAL CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/ ACIMA DIGITAL has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. ACIMA DIGITAL appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. ACIMA DIGITAL is in willful noncompliance!
05/10/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NV 89002	Web
I purchased a much-needed dining room set at XXXX XXXX store XX/XX/XXXX and since it was about {$610.00} total, I felt {$58.00} deducted twice a month from my bank account by XXXX was feasible. When I phoned acimia on XX/XX/XXXX a rep said that the balance was {$190.00} early payoff. I asked what the amount would be if I paid after the due date and he stated it would be the same. So, after I received my paycheck and was ready to pay off the balance of {$200.00}, I phoned on the evening of XX/XX/XXXX and the recording said I owed {$570.00}!! I phoned the next morning to speak with a rep and wanted to know why they hadn't bothered to send me some type of reminder and he claimed they don't do that! When I phoned again later that day demanding to speak with a manager, the so-called employee calling himself XXXX dared to claim it was my responsibility to remember! The next employee calling himself XXXX blatantly lied claiming they had sent a reminder to me via email and he correctly recited my email address during the call.
09/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90222	Web
A charge off is a XXXX of indebtedness which means it is income it must be removed. ACIMA DIGITAL FKA SIMP is in violation of privacy act 1974, I didnt give ACIMA DIGITAL FKA SIMP Consent to report my personal information I also dont remember doing any business with this company, do to ACIMA DIGITAL FKA SIMP violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
05/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60409	Web
I started a application with XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXX for a piece of jewelry but i never picked it up. I noticed I kept getting emails about a lease and missing payments through acima and I called acima to figure out why I got those emails because I thought due to never picking up the piece of jewelry they would just cancel out the application. Acima said theyll start up a case and report it as missing Since I made a claim that I didnt get it. I then went to the jewelry store to get more information about the issue and they told me that after 3 months everything goes to corporate and when he pulled up the information that matches my lease it shows I dont owe anything and that youll loaned me {$400.00}. The manager stated the owed balance came from interest from the {$400.00}. He also stated to get a fake piece of jewelry and tell acima that I have the jewelry I couldnt afford it they can have it back and if they need to call him to confirm the jewelry they could. I said no because I never picked it up.
05/01/2023	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	IL 60624	Web	Servicemember
THIS IS NOT A DISPUTE or a request for information related to any previous dispute so section 12 CFR 1022.43 ( f ) ( ii ) does not apply here! This is a request for the 1099C that was filed with the courts by law I had/have a legal right to receive a copy of the 1099C document filed on account XXXXXXXX by mail I never received a copy ( My previous disputes has been to acima are repeatedly reporting c/o every month in the payment history acima stated they can do that by law then I disputed the fact that anima was reporting the wrong amount in original balance section acima stated they are reporting correct and I requested information of the amount c/o on account and acima responded by sending me the last billing statement on account which I never requested any billing statement ) acima have been avoiding sending me the information I have actually requested. SO THAT I'M CLEAR THIS COMPLAINT IS FOR A COPY OF THE 1099C FILED A MISSING DOCUMENT FROM MY RECORDS THAT I NEVER RECEIVED AND HAVE A LEGAL RIGHT TO HAVE RECEIVED!
09/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 783XX	Web	Servicemember
A debt validation Letter along with a copy of my credit report was sent on XXXX XX/XX/ to Acima Digital, which Acima received on XXXX XXXX XXXX The debt validation letter is attached. I received a response from Acima on XXXXXXXX XXXX XXXX, stating that the dispute was frivolous or irrelevant and the determination was that I did not provide sufficient information to investigate the disputed information. The additional information that they requested was sufficient information to identify the account. I have never done business with this company nor know who this company is. How can they legally just say that I owe this money, without providing me proof that I had a financial agreement, as well as they need more information that I do not have? They have my name and address along with the only information that I have pertaining to this account is a partial account number, that is printed on my credit report. How many people with my first and last name have an account and or lease number with the same numbers in it?
08/31/2020	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	TX 77042	Web
I constantly reported to XXXX that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at XXXX said that they can't put late payments on a collection when there was no agreement to pay.
04/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ND 58801	Web
In the process of applying for a loan for a hosue our mortgage company pointed out that there is a credit we have in claims with ACIMA credit in the amount of XXXX. We told them to dispute due to knowing this was not me that took this loan or lease. I have since contacted the local police and filed a police reprot as well as have been working with ACIMA credit to try and clear up. According to ACIMA the loan or lease was taken out with them XX/XX/XXXX for {$3900.00}. We have also disputed with my wells fargo account four payments that they have tried to pull from my account ( XXXX, and XX/XX/XXXX ). The current debt owed on the account is XXXX when talking to ACIMA. The account number with ACIMA credit is XXXX. ACIMA will not release any information about the loan other than amounts and dates as of right now. I did not aply for any loans with this comapany and in fact never heard of this company until we started seeing payments being pulled from my bank account as well as when I saw on my credit report.
07/15/2020	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	NY 10451	Web
I made a purchase of jewelry that had a precise value, two weeks later the jewelry had a higher price. So I decided not to buy it, but I had already paid the remaining amount which was XXXX. Why did I pay for this before the jewelry was shipped? Because Acima has a facility that if you pay before 90 days, you pay the exact amount of the product without interest. XXXX XXXX XXXX They say they sent me the product on month 6 on day 9, which may not be possible because the jewelry is in Florida. They have no proof that they sent me the product, because it did not, not even a tracking number. Acima from the beginning told me that I would insure my money, Acima credict had full knowledge that even a month later they had not given me the jewelry, since they made a call to me on XX/XX/XXXX to find out if I still wanted to continue with the order where I I gave him the approval that we wait a week to see if the jewelry really works. The jewelry information is Mr. XXXX the difference, telephone # XXXX ) XXXX XXXX
10/07/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MA 01108	Web
I have received no collection notice from a company known as ACIMA CREDIT, but they have posted a collection on my XXXX credit report. I am at least entitled under the validation process of the Fair Debt Collection Practices Act to obtain a transfer notice showing signatures with the original creditor. There is not even a statement on the XXXX post of what company the indebtedness is owed to, The timeline for deletion would fall under the original creditor based upon the 7-year rule. This collection may well be beyond the legitimate timeline to even collect upon, and under the order of the office of Attorney General in the Commonwealth of Massachusetts I am entitled a notice that the collection is no longer enforceable. In the case, the collection is illegal and all references to my information must be purged from the credit bureaus as well as deleted from the internal process of ACIMA CREDIT XXXX XXXX. I demand a full validation with signed agreements to even collect a debt under FDCPA regulations.
09/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 20706	Web
I need four tires for my car and i called them and they told me the file an application on their website and if approve they will send me to a dealer which they did. I called the dealer on the phone. I told him that i was referred to him by ACIMA. We both talked about the tires and i told him i needed continental tires. he completely discredit this brand and recommended his brand. Couple of days later he text me a photo of four tires in his garage. and i replied back and said denied- i do not want. two days later i called ACIMA and told them that the tire the merchant text were not new and they seems to be laying in his garage for a while. I want them to cancel. They refused. they told me i should talk the merchant to send them a cancellation invoice I told them that he refused and he wanted me to pay him {$100.00} dollars. I do not received the tires and ACIMA keep debiting my account. They took {$53.00} during the initial application and another {$25.00} onXX/XX/XXXX as a monthly payment
10/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21239	Web
This account reported to the credit bureau late XXXX to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. I attempted to call multiple times to resolve the issue with no help just being passed on from XXXX person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next XXXX weeks. I've been told this matter will correct itself and there's nothing more that can be done. in accordance with Fair credit reporting act XXXX account ( Acima digital fkf simp ) and XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy. 15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.
07/10/2021	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 Investigation took more than 30 days	TX 77396	Web
on XX/XX/2021 i filed certified mailed in disputes to dispute fraudulent activity on my credit report. i asked the credit bereau known as XXXX, XXXX, to complete and remove all negative items they had 30 days to resolve the dispute instead they did not ccomplete my dispute in a timely mannere by law thety have to remove those disputed items they are constantly letting these fradulent creditors report inaccurate items on my credit report im a victim of idenity theft i have no knowledge of any potential negative items or any items reflecting on my credit report please have the credit bereau to remove all negative items from my credit report im currently going through a attorney to legally sue the companies for reporting fraudulent information and selling my personal information to every creditor refectin gon my personal credit report items negaive are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING ALL INQUIRIES NEEDS TO BE REMOVED AS WELL
11/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 140XX	Web
Back in XX/XX/XXXX, I went through a leasing company to help finance my tires for my car. Payments were to come out XXXX, which was happening, except, XXXX XX/XX/XXXX, they tried to take the payment early due to it being a " holiday '' on the XXXX. Which XX/XX/XXXX is not a Federal holiday and banks are open. But even so I did not approve for my payment to be taken out on a Thur, when mine and my wifes payments are not to taken out of our account on XXXX. That is when the money is guaranteed to be in our account. So Acima, Took out the payment on a Thur. and is now trying to charge us late fees and such, I want to do the early buy out which is XXXX with XXXX payments left as per the contract. They want to charge me XXXX because of these fees, which is not right due to their negligence that they tried to take the money when I did not authorize money to be taken out on a XXXX XXXX XXXX I made another payment, so my pay off balance should not be XXXX with XXXX payments left.
06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60453	Web
on XX/XX/XXXX i received a notification from XXXX notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from Acima, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89110	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44128	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	TX 75038	Web
I went to XXXX 's slash XXXX to get a lab top located in XXXX around XXXX with a sale 's lady named XXXX XXXX told me that the Lab top was {$540.00} when it wasn't it was {$440.00} and they sold it to me the Lab top on display and it wasn't in a box they had to data ear the computer and take the password off or what ever as soon as I got home to try out the new computer it started to free up so I didn't use it anymore I called XXXX about XXXX months ago to send me a box so I can send y'all computer back they told me that I have to take pictures to the computer and send it too them which I did they didn't send me a box talking about they was going to still charge me for it but they send me information stating that if I send the product back too them I wouldn't be charged and as of today they wrote a charge for this computer and now it's on my credit I also asked the can I take back to the store which is XXXX XXXX which they have an XXXX XXXX in their they told me no.
01/07/2020	Yes	Money transfer, virtual currency, or money service Debt settlement	Unexpected or other fees	AL 35235	Web
I leased tires from Acima Credit. The tires were fitted but were the wrong size. The installer stretched the tires on my wheels to make them fit instead of getting the correct size. This causes tires to wear faster. As a result I chose to end the lease and return the property. I was told by Acima to send photos of the tires and I did just that. I was told that Acima did not have a collection site in my area and to donate the tires to a thrift store and send the receipt to Acima. No non profit in my area accepted the tires because of wear and they can't sell them like that. I have emails asking Acima for an address to one of their collection sites and I would be more than happy to ship them. I was told that's unacceptable. Also Acima shared my account information with a family member that claimed I was deceased. That wasn't true at all as I was unable to answer my phone due to out of town work. They didn't have my permission to speak to anyone concerning this matter.
11/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	NY 10467	Web
ACIMA credit is a scammer. They will approved you and whatever credit available you have left they will make you pay it even you dont use it. They charge XXXX dollars fee if you pay EARLY. They stop taking money out you account when you about to end your contract you will pay 4 times extra. They manipulate their app and payments, and amounts does not reflect correct. This is program of financing is Predatory in every bit of the word. Its said to help those who are unable to finance by going through them for your purchases. They completely rope you in and make you pay the full lease even if you didnt use it all. When you call to speak representative, they will tell you that in other to help you will have to pay first. THEY add quarantine to your lease with out your permission if you tried to use the quarantine, they will not let you use it. They have their employees writing positive reviews, so they continue they ARE SCAMMING SCCAMMING SCAMMING SCAMMINGS SCAMMING
03/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30134	Web
I got a loan for {$500.00} in late XXXX with http : XXXX The owner only let me spend {$250.00} and told me that I would still have to pay the full amount. After returning merchandise after being told I was told I couldnt end lease because he would have to send merchandise back that hes already sold. Im expected to pay {$500.00} plus another {$500.00} if I dont pay by the end of XXXX. I never even received {$500.00} and after telling the company I was told to sue the owner instead of them handling the issue. The owner texted me saying I need to stop calling because hes not canceling my lease. My credit has been hit twice, Acima is saying theyve never had this problem so Im assuming theyre taking it lightly that not only my credit is being ruined but Im also being scammed! I have an overdue balance on merchandise I NEVER RECEIVED BACK & the merchant never even gave me a receipt. I was told I dont need it to cancel the lease or do a return both sites are a scam
01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38115	Web
The account was paid in full in XXXX XXXX The payment took over a week to process. Received an email on XXXX XXXX XXXX that they confirmed a verbal authorization ( which they did not receive from me ) to change my renewal payment, frequency and total. My total went from {$0.00} to {$1200.00} I disputed this through XXXX. The status of this collection went from being " charged off. {$640.00} written off. {$850.00} past due as of XX/XX/XXXX '' to " Repossession. {$640.00} written off. {$1200.00} past due as of XX/XX/XXXX ''. The couch was not repossessed as I'm sitting on it right now. It was in fact, paid in full. I am including all payments made, correspondence, and screenshots proving that ( 1 ) this debt is paid off and ( 2 ) that this company is reporting false information on my credit report which is a violation under FCRA for which there is a fine for {$1000.00}. I would like this account removed from all credit reporting agencies and bureaus.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web	Older American
On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called Acima Credit, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with XXXX, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with XXXX at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. XXXX XXXX purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. My dispute is with XXXX for not removing this false loan from my report, and I also dispute with Acima Credit this loan. I did not authorize this. Thank you for your help.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19805	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # Lease : XXXX Merchant : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19135	Web
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
02/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30305	Web
I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. XX/XX/2020, I was alerted that a new Account appeared on my credit from " Acima FKA XXXX ''. I followed up with the XXXX XXXX XXXX I have purchased to get a number for this vendor. I spoke on the phone with XXXX, Acima Credit customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 421XX	Web
US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 XXXX XXXX XXXX XXXX, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. Automated Collections, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 ACIMA Digital FKA SIMP Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. XXXX Account XXXX XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report
01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23223	Web
Opened two accounts with Acima loans. Both accounts were paid on-time. The later part of XXXX, one of the accounts was scheduled to payoff. Banking information for this was provided as an automatic payment. My bank flagged this permission and required further verification. The information was provided to Acima in order to support a claim for compromise and flexibility to the the account with additional penalties. An email was sent with the verification ; the agency didnt provide ANY communication ( although email was the original source of communication ). My last payment was drafted from my bank account on XX/XX/2020. However, I have records of prior payments. Despite these payments, my credit report reported late payments which made my credit score to be impacted. I feel that Acima is targeting specific individuals to perpetuate the decrease and access to good lines of credit. Im looking forward to finding amicable solutions.
07/07/2023	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	AZ 85009	Web
Sent a Debt Validation letter on XX/XX/2023 Acima received it on XX/XX/2023 via certified mail at XXXX I contacted them on XX/XX/2023 at XXXX to explain that I have not heard a response back from them and under the FDCPA if no response was received it must be deleted. Acima stated they have not received anything as I have everything tracked.The address on XXXX is the address I sent it to where is says contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX if this is incorrect then they are reporting incorrect information which then the account must be deleted. Refused to remove it off my counsumer report and is still commiting the following FCDPA Violations : 805 : Harrasment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debt. Unfair practices is being used in this 30 day no response letter from them then them saying they did not receive anything as I have all evidence and documentation.
03/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90621	Web
( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 I have reason to believe Acima Leasing is in violation of several laws under the FDCPA. Violation of FDCPA XXXX ( 1 ) in the attempt to collect an amount greater than the principal of the actual lease agreement. Violation of FDCPA XXXX ( 1 ) by using deceptive practices to state in the leasing agreement that I ( consumer ) previously agreed on applications terms and services on a SEPARATE agreement with no proof of a wet signature. Violation of FDCPA XXXX ( 2 ) as shown in the disclosure table of the original agreement with the total payments and cost of rental are evidence to this claim and the alleged financial details of the debt owed through the lease. Acima is using false and deceptive means to claim that an amount of {$3200.00} that is not the principal amount owed. Violation of FDCPA XXXX ( 2 ) by falsely claiming rent payments of over 27 months.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29340	Web	Servicemember
ACIMA DIGITAL FKA Simple have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACIMA DIGITAL FKA Simple is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy.. 15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
07/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23112	Web
This is my second complaint with ACIMA. Back in XXXX I spoke with agent who advised me that if I paid {$800.00} I can keep services with them. They advised that if I settled the account then they would remove the tradeline from my report. At that time, my settlement offer was {$400.00}. I called and settled the account for less then {$400.00} and was told that the tradeline would not be deleted in XX/XX/2020. I received a letter stating that they listened to a call from XX/XX/2020 and was advised that the tradeline would not be deleted. They have failed to address the phone call from XX/XX/2020 where I was told that if I settled the account the tradeline would be deleted. The account is closed and there is no balance, however this account is hurting my credit score. They have reported a late payment for XX/XX/2020 so at this time they are reporting inaccurate information on my credit report and are violating my consumer rights.
04/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 13440	Web
I financed a bed with XXXX XXXX XXXX that was damaged. they wouldnt take it back and stick me with the bill. I went back and forth with them and Acima Credit who had me DONATE it for remaining balance to be settled and not paid in full. I accepted the offer and donated it with proof. and they are still coming at me in my credit report with XXXX and making outstanding balances several times which dropped my score to THE 400s very poor which now effects my livelyhood and finances of buying my house. The problem is they lied over the phone. why would I donate my bed frame foot board and head board and pillows if they were not going to settle the payment and destroy my credit. now they want me to pay for something i donated. i have proof attatched and XXXX XXXX contacted them and they accepted this settlement as long as they had a tax ID number. imagine that.. they win double. tax cut, and a sale that was only good for them.
09/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90022	Web
I had credit accounts with Accima previously all paid in full. I notice that they keep collecting payments from my checking account so I called to ask why? I was told that it was for anew credit line opened XX/XX/2019. I immediately informed that I did not open a new account with them and that I wanted them to investigate account. I placed a police report and identify theft report, affidavit and submitted everything to Accima and the credit agencies. I have called Accima several times requesting to provide me information and contracts and assistance with investing this account and they have fail to resolve this problem. Not only did they collected payment from my bank account and did not investigate the account when Informed that this account fraudulent they have also fail to remove it from my credit report. I have rights as a consumer and they are violating all the FCRA codes. Please assist me with resolving this problem.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11207	Web
Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : XXXX Acima Digital FKA SIMP {$1600.00}
07/29/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 657XX	Web
I purchased a mattress through Acima credit. I was supposed to receive an early buy out in 3 months. The company never contacted me though mail, phone, or email. I called the company today to see what was going on. They said they had sent emails and they had all " bounced back '' even though the email on file was correct. I never received a copy of my contract or even an account number. My financed amount was {$350.00} and now my account is over {$400.00}! I have made every payment though the auto draft through my bank account but they will not offer me the original buy out even though I never received any information on it. They were clearly negligent. They even admitted that they never tried to reach out to me. This credit company seems like a scam to me! They told me their hands were tied and refused to make the original buy out deal with me even though there is clearly an issue on their end with correspondence.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
UPDATE TO CLAIM # XXXX ACIMA has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTY XXXX. ACIMA has responded with they have the right to do so because of an alleged proper agreement. In this agreement ACIMA FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 156 USC 6802b ( B ) ( C ). ACIMA IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. ACIMA REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77077	Web
Acima is a furniture loan company of which I had a lain that was paid and closed in XX/XX/XXXX. The company reports to XXXX. The loan misreported my balance and payment activity and is currently reporting a late, closed charged off account as recent as XX/XX/XXXX. On a recorded line 3 representative attest to the fact that this was Misinformation and they dont understand why it is reporting that way. Call hurry representative said they were sending me a letter via email that I should receive in 3 to 5 business days from the conversation that will support the fact that the reporting to XXXX was in accurate. I spoke to a representative during XXXX and two other representatives over the past week including today XX/XX/XXXX. The representative I spoke to today again said that she would resend the email. And I have yet to receive anything. The in accurate reporting has affected my credit worthiness and score.
06/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 27406	Web
On XX/XX/XXXX with Acima I wanted to close out my account with the total of {$280.00}. The payment was made after the weekend because they were closed on the due date. The Representative kept telling me I could not close out the account and they give you just one day to make the payment which the customers would not know. I asked constantly if I could close the account out and he said no. I would have to continue to pay every 2 weeks. As of today I received at text saying my account was passed due it has been 3 months. I now have a total of {$250.00} due without any notice and I thought my account was closed. The company argues back and forth with you and lie and say they are the supervisor until you say that you need to make a complaint. I should not feel like I am about to have an anxiety attack when speaking with a creditor. I am a student and and I tried to do the right thing and pay off my account.
01/13/2023	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	CA 95376	Web
Acima Digital FKA Simple reported number XXXX. Date opened XX/XX/2018. Disputed with XXXX, XXXX, and XXXX multiple times requesting proof of debt or removal. Called Acima, but they couldn't find an account with my cell phone number ( I have had this number for almost 15 years ) and asked for proof of debt, and a contract by mail. called XXXX and initiated another complaint requesting proof of debt or removing the file. I have proof of identity theft, address, phone numbers, and social security number that is not mine over the last 10 years I have proof of a change of address XXXX unauthorized, data breaches, and leaks. This debt has caused hardship, and applications were denied due to the derogatory mark that ultimately lowered my score, and caused a higher percentage on my auto loan. XXXX and XXXX removed the account from my report for Acima failing to comply with FTC, my right to information.
02/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 223XX	Web
Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX XXXX PAYMENT. HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.
03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77536	Web
Police met with VICTIM who advised the details of the incident. VICTIM advised that on XX/XX/21, he was contacted about suspicious lines of credit being opened in his name. VICTIM noted for his credit score to have suffered and began to look for evidence. VICTIM advised that he had two seperate emails in his junk folder about lines of credit opened in his name that he did not authorize. VICTIM advised that he tried to gain more information but was denied until he filed a police report. Police noted for one email to be a from ACIMA credit and to contain a purchase agreement for a rental. Police noted the other email to be from XXXX! about a lease agreement for a purchase at XXXXXXXX XXXX XXXXXXXX XXXX XXXX Police noted the XXXX had a bill for {$2700.00} and the XXXX! to have no amount specified. Police attached a copy of both emails to the report. VICTIM advised he wished to pursue charges.
03/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NE 680XX	Web
XXXX XXXX retained an XXXX XXXX with my identity. Acima helped to allow this and are now uncooperative in getting this resolved. They refuse to remove this fraudulent account from ALL of my credit reports. Even though I have an email from them stating that it is indeed fraudulent. Meanwhile it appears as though I have a {$5000.00} charge off lease with Acima on my credit report. I am now experiencing hardship attempting to obtain an allotment loan, my bank account has been flagged as high risk via clarity a division of XXXX and NOBODY wants to work with me or help me when I am screaming that I have been hacked and my identity tarnished. Acima has also made the process of even attempting to make payments on MY Acima loan impossible, as they have other bank accounts tied into my personal profile and identity. I believe this all lies in the hands of Acima. They need to right their wrongs.
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92021	Web
Because of the corona going on through out the country, I lost my job and do not know when I will be going back to work yet. I called the company Acima Credit and explain to them that until I was able to return to work I would not be able to keep up the payments on the 2 lease accounts I have with them. They did not want to listen to what I was saying, just kept telling me to pay or the would come get their property. I offered to pay them alittle instead of the full payment, They refused. Told me they want full payments and the system they have will not take allow partial payments. I call them again today XX/XX/2020 because they filed late payments on my credit report. I fell as if I did all I could to work with this company. They did not want to help at all wanted full payment or nothing. I offered many times to make smaller payments until this covid issue was over. They refused.
06/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 91405	Web
I recently got hit with a 30 day late payment from XXXXXXXX XXXXAcima. I been set up on automatic payments from XXXX for a ring that I have never received. I been calling and speaking to reps to assist me or give me a resolution. I received an email XX/XX/2019 stating the ring was ready to be picked up. I never got the ring and on XX/XX/XXXX I received an email saying they verified with merchant and " confirmed '' I took the ring and in the same email they are asking for my mailing address to ship me the ring ... and once i have the ring I can cancel and issue a return. On XX/XX/XXXX I spoke to customer service they said they would investigate and get back to me and they would stop charging me. I been waiting for a follow up call and I haven't heard anything. but I got a late payment for this month, I been getting charged a total of {$600.00} for a ring I have NEVER received.
12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30083	Web	Servicemember
To whom this XXXX concern, I have sent multiple certified letters to XXXX concerning a personal loan ( Acima ) on my credit report. I did not apply or authorize a personal loan from this company. Ive only had XXXX personal loan in my name ( XXXX XXXX XXXX ). I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also, giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair items on credit report, it has to be removed from consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
12/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	PA 19104	Web
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. I XXXX XXXX consumer, natural person, and original creditor to an open end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima. I was informed of this trespassing of my rights specifically 15 USC 1601- Truth In Lending Act by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima on XX/XX/2021. According to 15 USC 1602 definitions of the Truth In Lending Act, i as a natural person possessing an open end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up too ( {$5000.00} ). XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX d/b/a Acima is now civilly liable to pay me for the damages.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75126	Web
In XX/XX/2022 I notice an account on my credit from Acima that was an open account which took me at a surprise. I had an account with them but I had paid it off. So when I saw this account it said open XX/XX/2022 and payments were made on this account but it had stopped being paid. I was wondering why my credit score had dropped but this is why. I reached out to the company expressed that this is not my account and that I needed to know what to do to get it off my credit. I was advised if I thought this was fraud to file a police report submit it and they would take it off my credit report. I did so and the. I received a message stating since they have all my info which is apparently they have my info from my own account that they were not removing it. This is causing me several credits points and I have done my due diligence and they are violating my consumer rights.
01/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
Someone that I do not know of used my name to get a credit line through ACIMA. I was completely unaware of it until noticed that my credit score decreased significantly. Due to the credit score drop, I logged into my XXXX account and realized there was debt with ACIMA and they reported to XXXX only. I disputed the account through XXXX and communicated I was waiting on my police report. Before, ACIMA and XXXX received my police report of fraud they communicated with one another. XXXX noted on my account that ACIMA said the account belonged to me without a police report or an investigation. This is indeed NOT my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working hard to raise my credit score. Before the identity theft, my credit score was XXXX and not plummeted to XXXX on XXXX. I want this account eradicated from my account expeditiously.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 483XX	Web
ACIMA DIGITAL FKA SIMPLE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. ACIMA DIGITAL FKA SIMPLE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me Send me a contract between me and ACIMA DIGITAL FKA SIMPLE bearing my signature. Send me the location this account was opened at. send me the name and number of the person who open this contract in my name with ACIMA DIGITAL FKA SIMPLEP. Let me know was ACIMA DIGITAL FKA SIMPLE open up in person or online. What identication was used to open this account? Delete this account from my credit report. What date was ACIMA DIGITAL FKA SIMPLE open? What method of verification was used to say this account ACIMA DIGITAL FKA SIMPLE belonged to me? remove account
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30342	Web
Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I, never gave any XXXX party any written consent to report anything on my consumer report. No contract is identity theft. Concerning all accounts as a consumer I am demanding a deletion of these accounts. Under XXXX XXXX XXXX XXXX. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector XXXX not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
09/02/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33137	Web
On XX/XX/2020 I bought 2 mattresses for a total of {$990.00} at the XXXX XXXX store ; In the negotiation with XXXX XXXX ( seller of XXXX XXXX ) financing through my credit card for a total of {$1200.00} which can be evidenced in the videos of the place that day. They began to give me discounts for {$95.00} biweekly until reaching the sum of {$1200.00}, after this, I received a call and an email from ACIMA, notifying me that I had a debt with them for approximately {$1200.00} more For which I present this complaint of fraudulent sale since at no time did the seller of XXXX XXXX " XXXX '' inform me of this ACIMA company and less of its financing plans. This company ACIMA sent me via email a document where my signature is displayed, which is false since I never had knowledge of the said company, they created an electronic signature without my knowledge.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20874	Web
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, ACIMA DIGITAL FKA SIMP has violated my rights. Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
I checked my credit report XX/XX/XXXX and Acima credit fka XXXX was on my credit report along with a XXXX address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. I immediately contacted Acima and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru XXXX and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. XXXX has contacted them to let them know I did not open this account and this is fraudulent. Acima can not locate an account yet it is still showing up on my credit report. I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.
11/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32780	Web
I was alerted by my credit bureau XXXX that my credit score dropped 40 points. Found an account that was not mine and disputed it. Contacted the company AcimaCredit and because my phone number didn't list up to any account, they would not give me any information regarding the account that they placed on my credit report. I was not able to cancel the credit line, get the phone number or address of where the items were delivered to since this is an online store. I have filed a police report in XXXX County where I live on XX/XX/2021 and was given police report number XXXX. account name : ACIMA CREDIT XXXX XXXX also known as : ACIMA CREDIT XXXX XXXX account # XXXX account type : Lease Responsibility : Individual Date opened : XX/XX/2021 Status : Open {$510.00} past due as of XXXX 2021 Balance : {$2400.00} Original balance : {$2200.00}
02/19/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	CA 90002	Web
A total amount of {$1100.00} XX/XX/2021 to settle accounts with Acima Credit. After accounts was paid Acima refuse to release a financial statements showing proof of payments. Recently I've requested XXXX XXXX for the XXXX accounts paid off. Acima has yet to release the documents to be filed along with XXXX to avoid any mishaps. Acima stated I needed to check my spam. I did several time nothing has been done. The actions of Acima cause credit score to stay low for the pass year by refusing to update credit file. All credit bureaus has been sent proof no actions has been taken by no one. Its unfair to me as the consumer to have to fight for my personal profile to be updated thru Acima. This is something that should have been reported at the time of payment. Acima has intentionally caused damage to credit. XXXX. XXXX # XXXX XXXX # XXXX
07/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 770XX	Web
Over 5 month ago I applied for two nummbers of leases in the amounts of XXXX $ for a mattress and couch with turned to XXXX, 26 number of payments of XXXX tax excluded. The second lease was in the amount of XXXX turned to XXXX, 26 number of payments of XXXX tax excluded at shop for 3 initialed services in 3 days, Day one after leaving the shop i found out that they have broke a piece in my vehicle and they have stole my personal belongings, i called the shop and explained the situation and they refused to fix it, i tried and called Acima to at least get the other two un-received services off the lease the person assisting me agreed to contact the shop and take care of it. I now have paid more than 50 % but that most be it, I believe I have paid enough with all the suffering.acima absolutely didnt show any care about my requests.
09/14/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NV 89031	Web
On XX/XX/21 i wen thru acima to get a qualified for a loan on a table, they approved me but the table never came, they immediately started taking money from my account, which they had to reimburse me back because the table never came, I still dont have the table, Im trying to buy a house and it showing up on my credit report, I immediately called acima again and spoke with the representative and the supervisor. They said they are aware that I havent received the table and I was told the case is close. I asked them if they can send me a letter stating that the representatives said they dont have a letter that will state that but I can dispute it and they want fight it, I need help this company put something on my credit that I never received and its going to cause me to pay out more money or I want qualified because of this loan
05/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77407	Web
I financed a rebuilt transmission on XX/XX/XXXX at a XXXX store using Acima Credit. The finance price was {$2500.00} if paid off in 90 days. If you do not pay the balance in 90 days the total payment over a 12 month period would be {$5300.00}. I did not know in the beginning but this is a rent to own purchase. I never received the lease agreement in the mail and I never received an email communication from them for the first 4 to 5 months. If I initially finance {$2500.00} but end up paying paying {$5300.00} over a 12 month period, then this is EXCESSIVE and predatory because i never received communication about these terms. I looked at the complaints for this company on XXXX and many customers are saying the same thing. Please look into this company on it's slick way of charging consumers EXCESSIVE and predatory rates.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95336	Web
XXXX engages in predatory lending and illegally reports incorrect information to credit bureaus. I got a {$1200.00} loan in XX/XX/XXXX to buy furniture. I tried to pay it in full in XXXX of XXXX. In less than 5 months the interest they tried to charge me was {$1400.00} on top of the {$1200.00} principle. I refused to pay that amount and offered to settle for the principle plus 20 % interest and they agreed. I was also assured that nothing would be on my credit report. They reported negative payment information to XXXX anyway. When I disputed it, they updated my payment history with a full year of payment history that never happened! They're claiming to have received payments from me every month after XX/XX/XXXX until XXXX of XXXX when they claim I missed a payment. I called to ask them to remove it and thay told me no.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75216	Web	Servicemember
I have reviewed my consumer credit report and I noticed an unauthorized accounts from ACIMA DIGITAL FKA SIMP account under 15 USC 1681 number 3. XXXX assumed this role without permission not only that you did not have my consent. XXXX did not respect my privacy pursuant to 15 USC 1681 a number 4. XXXX did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. XXXX also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see attached.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10705	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
04/28/2022	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 Problem with personal statement of dispute	NC 28262	Web
Back In XXXX Of 2021 I applied for a loan with Acima. Now in reference to there responses, the company website clearly mentioned no credit check meaning the contract states the company can report or check credit scores but online it doesnt mentioned anything as such. The company needs to provide a full explanation explaining why the website states one thing and the physical contract says another. No credit check means no credit check and Ive dealt with leasing companies in the past that advertises no credit check and its not on my credit report at all. Stop falsely advertising your website if its a actually credit check and Im still reporting this company to the Attorney General for an complete investigation because they are ripping consumers off with fees if you can not pay within 90 days of signing the agreement.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web
Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXXXXXX Fraudulent Other Accounts Other accounts : - Account Name : ACIMA DIGITAL FKA SIMP XXXX Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Fraudulent Student loan - Account Name : DEPT OF ED/XXXX - Account Date : XX/XX/XXXXXXXX -Account type : Student loan -Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98144	Web
I registered for a class in New York with an XXXX. ( XXXX XXXX by XXXX XXXX I took out the loan to pay for the classes. The XXXX ( XXXX XXXX said that there would be training, a certification after completion, as well as equipment to start my own business. I didnt not receive any of this. Ive called and explain this to Acima and they informed me that the loan was for a pair of glasses. I dont wear glasses nor would I pay close to {$3000.00} for a pair of glasses. I told them that was a mistake and the company that they are providing a loan for must be fraudulent. I dont have specific dates on when I registered for the classes it was during the pandemic but Im sure Acima has that information as well as the date that I called in about this company. I didnt take the classes or receive certificate or equipment.
03/31/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60637	Web	Servicemember
I attempted to rectify my debt with XXXX XXXX XXXX XXXX. I called XXXX XX/XX/2022 to speak to representative about settlement. Company has all out of date information including phone number, email, and address. Company offered a verbal settlement but when asked to send an offer via U.S mail, company would not oblige. The company said I must pay first before seeing a statement. The company communicated that I owed over {$1300.00} but on my XXXX report, it only shows {$1200.00}. This was very alarming. I was told I must update my email address. I declined as they stated that once settled, I would never be able to open an account with them. I was told to update my email address online. I asked for the information to be sent via mail but they declined. I believe this company is involved in fraudulent activity.
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	OH 45417	Web
XXXX XXXX XXXX XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' ACIMA CREDIT XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89122	Web	Servicemember
I submitted 2 disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! All the accounts that were listed on my police report remained the same with XXXX. The other 2 bureaus found there were fraudulent and also fixed the errors. This is my third attempt to get XXXX to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. I will continue to document my efforts until these fraudulent charges and errors are removed.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78610	Web
On XX/XX/2021 I received an email about a new inquiry on my credit report from a company called Acima. About a month prior to that, I also had inquiries from XXXX and XXXX. I had not open new accounts with any of these companies. XXXX and XXXX were able to cancel the fraudulent accounts immediately and correct my credit. Acima has been able to cancel my account and report this as fraud to fix my credit. I have filed a police report and am now filing this in hope of getting Acima to close the account. The balance on the account appears to be {$4400.00}. When I initially found out about the account, I spoke to an Acima employee on the phone and was told it was obvious it was fraud due to i fake email address and bad address. Acima has been able to cancel the fraudulent account as of now.
10/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33901	Web
Early part of 2019 id filed a complaint with the Federal Trade Commission Office for identity Theft i was working a credit agent and i went to the local office depot to fax my personal information to the credit agency company, and the young man that was assisting me put the wrong fax number into the fax system and immediately days after my bank account was compromised and weeks, months later i notice things on my credit i did'nt apply for. Now im still fighting to get these items off of my credit reports. And now those account has been charged off and closed, but still remains on my files. Im asking that these items be removed from my credit files immediately, and if not i will be filing a small claims action against these companies, Per- Acima Credit XXXX XXXX , XXXX/XXXX, XXXX XXXX .
08/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07036	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
07/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46038	Web	Servicemember
I took this furniture lease through XXXX XXXX. They offered a XXXX day pay off option. I set the payment to debit at the due date and waited for the remainder of the payoff after already paying off more than half. They did not try to collect the funds per XXXX XXXX XXXX XXXX and my statement that was on the attached. I submitted them this documentation and they are saying they attempted and the bank returned the payment. My bank told me that every attempt would at least show on my statement and they are not telling me the truth. They will not honor the XXXX day purchase option and are trying to collect over {$1200.00} more from me now. They are trying to scam me and overcharge. It is hard being poor and these people pray on XXXX folks who are struggling and trying so hard.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 260XX	Web
An account with ACIMA CREDIT XXXX XXXX was open on my credit report for {$4800.00} on XX/XX/XXXX. The status of this account was updated on XXXX XXXX. I have no knowledge or recognition of this account that is reporting on my credit report. So I did not pay this company. This account updated again on XX/XX/XXXX reporting that I know owe them a total of {$5000.00} on an account that is now past due and written off. Under the 604 fair credit reporting act this company is not allowed to report fraudulent or inaccurate information to harm the consumer credit report. The 604 fair credit reporting act also states that if an account is written off then the consumer is no longer responsible for this debt after 180 days of the account being written off. Remove this account immediately!
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38637	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA CREDIT XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30083	Web
As a consumer and natural person of the United States of America, I expect the CFPB to enforce the laws it is bound to. Acima is in violation of numerous federal protection laws : -Acima is in violation of 15 U.S. Code 1692 ( b ) ( 2 ) and ( 5 ). -Acima is in violation of 15 U.S. Code 1635. -Acima provided me wit ha consumer lease pursuant to 15 U.S. Code 1667. -When I submitted my credit card ( ssn ) to Acima , I entered into is a consumer credit transaction pursuant to 15 U.S. Code 1679. -All alleged obligations therein the attached consumer lease are the true obligation of -Acima is in violation of 15 U.S. Code 1692e. -Acima is in violation of 15 U.S. Code 1667a. -Acima is in violation of 15 U.S. Code 1635. -Acima is in violation of 15 U.S. Code 1681a ( d ) ( 2 ).
03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60803	Web
I signed a lease to purchase agreement for standard tires for a common US sedan. I never took possession of tires made. I explained to the vendor that I wanted to cancel due to poor customer service. And a feeling of safety concerns in his business. I also explained to XXXX ( the finance company ) the same issue. There were two conference calls between myself the vendor and the finance company. The Vendor refused to return funds to the finance company even though I never took possession of the tires. During the second call the vendor was very belligerent and disrespectful to both me and the finance company. I did request the company save that recorded call. I can't be held to a lease agreement or at least to purchase agreement if I never took possession of the item.
02/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32765	Web	Servicemember
I have NOT RECEIVED all of my parts per the contract. I HAVE made attemtps to contact the store via telephone, text, and email amd the XXXX XXXX XXXX XXXX tonwhich they are advertised. XXXX was the one who ensured the part would arrive with the unit it did NOT. My husband was present at the time of transaction and delivery when part was promised and when said part did not arrive I have all attempted call records.I have provided picture of the missing parts. The only 2 options are settle at XXXX and i will purchased the part myself as it isnt cheap or have the company deliver the item and i will resume payments. You are in breach of contract the burden of proof is on you and the store as i have physical documented evidence and pictures. You may correspond via email
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 152XX	Web
UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX ACIMA IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. ACIMA has claimed they will not honor my direction to cease reporting and have referred to there alleged Privacy Policy giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions. A printed copy of their Privacy Policy was printed and sent but the CFPB may view so here for further reference. https : //www.acima.com/privacypolicy
05/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28269	Web
Acima closed the complaint with CFPB without addressing the prior disputes of Privacy Policy Notice along with Truth and Lending disclosures. This Consumer Transaction falls under Truth and Lending due to the products being leased by Acima and Disclosures are required by law. Acima only responded with payment history along with the Lease Agreement which is clearly not the disclosures that I request. The failure from this Company to provide information that by law they should have and that I'm entitled too constitutes to Practices for Deception and Unfairness. I have disputed this matter 3 times directly and 8 times through XXXX totaling 11 disputes with no results. If Resolution is not met and Acima not willing to provide Disclosures Legal action will be sought.
09/14/2021	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	NC 28214	Web
I open a account with this company in XX/XX/XXXX, as we all know the XXXX hit Americans XX/XX/XXXX, well I talk to them in XXXX of XXXX and explained to them that I had loss my job due to XXXX I was assured that they wouldn't report to my credit and it did. I paid the account off in XXXX and early. I called the company in XX/XX/XXXX, it was told they apologize that it did report and they would fix it and it could take 60 days to update. I called again in XX/XX/XXXX, and was told the same thing and that give it 60days to update. I called again in XX/XX/XXXX and was told that the information was true and they can't fix it. I ask to speak to supervisor and was hung up on. I have been calling this company every other month since then. This is destroying my credit.
08/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
I recently purchased furniture from a local furniture store ( XXXX XXXX XXXX ) for a purchase price of {$2400.00} not including tax. They said I could do a lease option purchase with Acima with no interest and a fee of {$50.00} as long as I paid it off in 90 days. I decided to go this route. My total purchase amount should be {$2400.00} plus {$50.00} ( acima fee ) & taxes ( {$220.00} acima indicated ) for a total of {$2700.00} for the couch if paid off in 90 days or less. Acima has since sent me paper work that raised that amount to {$3200.00}. Also the initial price of the couch was wrong. My physical paperwork from XXXX 's says I owe {$2400.00} plus taxes to acima and that is it. It doesn't say anything about extra fees. This is false advertisement.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33607	Web
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
05/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22030	Web
purchased a sofa and piece of carpet, from XXXX XXXX, financed through acima credit llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX with {$720.00} listed as cash price, not incl monies paid in the store. I was informed, I would be contacted to let me know when my 90 days was near to payoff, no such contact was made, instead, I've been charged {$120.00} a month since XX/XX/2019, with paying over {$800.00} to date, not incl the early payoff, made this month totaling over {$600.00}, and the company is still charging to date the every two week amt of {$61.00}, after doing a payoff, complete racketeering .I am completely disgusted and would advise, No one to deal with these crooks. Had I chk XXXX site first, I would have never purchased anything through them
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70065	Web	Servicemember
I purchased jewelry and was extended a line of credit by a financial institution that I was told did NOT report to credit bureaus. After having the merchandise for 4 days I contacted the financial institution ( Acima ) to find out my options. I was advised that I could purchase the jewelry for a lesser cost or return it and my lease would be closed. I did so in XX/XX/2021. I am now being reported to XX/XX/XXXX that I've voluntarily surrendered merchandise in XXXX & XX/XX/2021. This is contrary to what I was told. I was not given this information by Acima after contacting them several times. I would have never returned the merchandise if I would have known that they would report me negatively to a credit bureau. They are not helpful when I call them.
05/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21122	Web	Servicemember
ACIMA Credit Company charged me an excessive amount ( approximately three times the cost of the furniture ), in interest on furniture I purchased from XXXX XXXX XXXX XXXX. I attempted to reach out to ACIMA Credit Company to try to reach a settlement, before the account was paid in full, but was unsuccessful. ( Lease Number XXXX ) First Payment Date ( Monday, XX/XX/XXXX ) Renewal Payment Amount ( {$120.00} + applicable taxes ) Payment Frequency - ( Bi-Weekly ) Early Purchase Option Amount - {$1800.00} + applicable taxes by XX/XX/XXXX TOTAL RENT PAID ON XX/XX/XXXX - {$3900.00} This company currently has a XXXX XXXX rating with 1,152 Customer Complaints in last 3 years, and 355 complaints in the last 12 months, so I think this speaks for itself!
12/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 44312	Web	Older American, Servicemember
We have two leasing contracts with XXXX leasing company. We have been trying to payoff this loan for two months now. Without any luck. They are rejecting our payment method. They only use automated or online ways to add a payment method and the system is rejecting our submission. There is not an option to payoff on our online account it only gives the payoff amount but it does not allow us to select to payoff the high interest loan. The customer service was of no help and when I asked to speak with a second supervisor he said he was the top supervisor and there was no one else that could help me. I feel like they are trapping me in this high interest lease to continue to extort payments at a high rate instead of allowing me to payoff the loan.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90016	Web
Ive disputed this account with XXXX for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor Acima Digital FKA Simple , ( account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my XXXX consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.
01/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93705	Web
I am due a refund of {$450.00} that they said it was mailed to my correct address on XXXX XXXX 2021 and it will take 10 business days to arrive. It has been over 11 days now and still no check. They wont let me talk to accounting directly and I have spoke to XXXX and XXXX from the Resolution Dept. I explained to them i paid with my ACH Account ending in XXXX and they had no problem taking Payments out even before receiving goods. They said they will send another check and it will take another 10 days. I insisted in over night XXXX XXXX and they refused. Very poor service and money transactions. They use I will email the other department and wait for there response and get back to you. Not Acceptable!!! I should be paid interest on refund.
10/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92058	Web
I purchased furniture from Acima Credit All payments were made on time and paid in full. In less than a month after paying for my furniture and having it for less than a month my furniture started breaking I took some of the furniture back to the consumer and asked for a refund which he refused to give to me. Then I had to do a charge back for the items that broke now assume it is turning around and putting those items back on my credit report as a duplicate which was already paid for in full. I have went on the XXXX XXXX XXXX site to see that Acima Credit has two stars in multiple amount of complaints for billing accounting collections and everything they are getting over on consumers every day and ruining their credit this Has to stop.
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89106	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/20/2020	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	FL XXXXX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23834	Web
I began my journey to repair my credit. I found an account from Acima. I was unfamiliar with the company and had not used there services. I had no signed contracts or information from said company. Instead of a drawn out process of filing fraud and going to file police reports for an account from 2018, thinking I would get faster results I opted to pay a settlement amount to Acima to have account updated on my credit report. The full settlement agreement payment was made and there was no update. The account is still showing as a closed account with an outstanding balance due which is higher than the actual said original debt on my report. It is incorrect. I would like to challenge that the information on my credit report is inaccurate.
08/16/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30038	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60419	Web
My account was marked 30 days past due XX/XX/XXXX for XXXX which was in accurate I tried to speak with the agent about it and they were rude saying I owed {$250.00} XX/XX/XXXX I paid {$350.00} the full amount they can I was past due including the late fee they added because I just wanted my account corrected per the agent they would correct my account once I made a payment. XX/XX/XXXX I requested the payment he updated with the bureau they marked it another 30 days late for XX/XX/XXXX how can that be possible when make payment if I paid what they claim what past due and my payment for XXXX was dated to come out the same date I requested they update the XXXX payment this company is violating my laws and practice been reporting habits
10/06/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 371XX	Web
I obtained items using credit through acima lending in XXXX. The pandemic nearly cost us everything and we faulted on this debt. Acima leasing told me that the debt was closed on XX/XX/XXXX. On XX/XX/XXXX they charged my debit card XXXX. The card they charged ( which is a new card ) they never had any information about. I never gave them the new debit card information or the new bank it was from. This information was obtained by them through possible illegal methods. I have the bank record to show that the charge date of XX/XX/XXXX. My best guess they are doing illegal activities to obtain this information without a court order. The main issue is that I am 100 % positive my new debit card information was never given to them ever.
10/05/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 371XX	Web
The company I will be referring to is acima leasing out of XXXX, UT. I bought merchandise using this company in 2020. The pandemic took its toll of my finances and I almost went broke. My finances fell apart for me as a result. Acima leasing is one of those finances I owed. My bank account was closed and they could no longer could charge my card. Here is the issue. I opened a new bank account with a new bank. Acima leasing randomly today has charged my debit card. They have never had that debit card information. They never got a court order of any sort to obtain that information. How did they get my debit card information and charge it without any permission? I am not disputing the debt at all, but only their collection practices.
10/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07522	Web
I have identity theft problems, it turns out that they opened a credit card account with the ACIMA OR ACIMA LEASING company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. THE NOMBER IN MY CREDIT REPORT IS ACIMA CREDIT FKA XXXX # XXXX
07/23/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19132	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19132	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46218	Web
In XXXX I called Acima and told them I had been put on leave by my job to the COVID-19. I told them I was not working and there is no way I could make payments to my account. They told me that they would put my payments on hold until I started working again. However, for the past few months they have been reporting missed payments to my account after I told them I would not be able to make the payments due to being out of a job due to the pandemic. This is extremely frustrating and inconsiderate at a time such as this when people are not even able to pay their rent and put food on the table for their families because of such a deadly virus. It is not fair that my credit has to be impacted for something I had no control over.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38116	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... ACIMA CREDIT FKA XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10455	Web	Servicemember
I have on various occasions reached out to this company and also disputed the charges via the credit bureaus. Have send proof of my identity, my signature even proof of police report clearly stating my list of personal property that was lost, which included my license, ss and various credit cards. This company sent me what is supposedly a contract signed by me which is not even my signature but my name handwritten and with the purchase made out of the state of NY in some other state I have no connections with.I have requested for proof and information and have been completely ignored and told in a very rude matter that it was investigated by the company and the charges are mine without them sending me any proof as ask.
09/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TN 38115	Web
On XXXX XXXX I purchase from XXXX XXXX, a 10kt Gold Hollow XXXX XXXX link Chain 20inches 5.5 mm yellow gold. On XXXX XXXX took the chain to a jeweler store to have it appraisal and make sure the 10kt gold chain is real the chain was gold plated. I had the chain finance through Acima Credit it cost me XXXX total cost from Acima Credit was {$1000.00}. I have paid Acima credit a cost of {$280.00}. I have contacted Amica Credit on XX/XX/2020 and requested to return the product the customer service representative stated they will be sending me a return label email as of today XXXX XXXX haven't receive the return label email. Also contact XXXX XXXX concerning the fake gold chain I purchase they didn't applied hang up.
01/24/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91775	Web
ACIMA charged bi-weekly {$57.00} to my account via ACH debit for a total of {$1100.00}. Below are the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called the company, on XX/XX/XXXX and they are a finance company that assist with lease to own furniture ( dish washer, television, couches, etc. ). They did not have my name as a client so they refused to provided me any further information. I also called my bank, XXXX XXXX XXXX and they were unable to refund the {$1100.00} back to my account. They would only refund 60 days of debit.
10/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 606XX	Web
So I leased bedroom furniture through Acima credit. And I have had this furniture for almost a year with no issues or missed payments. All of a sudden I received and email saying my account was passed due. So I reached out to Acima Credit in regards to the past due amount and ask if they could put the past due payments to the end of the loan and of course they said no. Honestly this company is so ridiculous with not working with people who were on time since they leased this furniture. I cant afford to pay them the past due amount only weekly payments which I was doing. And please take the late payments of my credit. Honestly It was them who stopped taking payments.Yet they harass me with repossession threats!
09/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web
Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!
09/18/2021	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	MI 48167	Web
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
This company has not yet to provide substantial/credible validation of debt. The company provided a lease with that appears to be an automated FORGED signature of my name. This does not validate that this debt belongs to me. On XX/XX/2023 I requested validation of said debt.This company claims that I visited a local retail store by the name of XXXX XXXX XXXX XXXX Ga, opened a line of credit and agreed to a contract. The lease agreement also reflects a different total amount than being reported to the credit bureaus. Therefore, I am requesting that after reinvestigation that this collection account be removed from my consumer report immediately if substantial/credible validation of this debt is not provided.
02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78666	Web	Servicemember
I attempted to take a loan out for home items but the loan never went through as when I went to check out the approval status changed when I tried to checkout. acima repeatedly calls me and says I owe them money, the product has been delivered, and they can deduct money from my wages even though I never had this order. They use what looks like personal cell phone numbers in an attempt to get you to respond or answer the phone ( with fictitious names attached to the numbers ). The voicemails tell you they will come to your house to collect your money or wi continue to call if you do not pay. They also constantly text you ( at least 5-7 times a day ) and relentlessly send emails. No postal mail is sent.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web
There is a late fee shown on my consumer report. 15usc1681a ( i ) a2 transaction history is EXCLUDED meaning it is not to show up on the report I did not give wet ink signature consent to place on my consumer report. I am the legal consumer and I control what is listed on the account. 15usc1666b timing of payme n't SHOULD NOT be reporting. Where is the WET INK SIGNATURE validating this account. IF you can not provide a wet ink signature it has to be remove. I disputed it and it was removed and then it came back, therefore this is a violation and is compensated at {$1000.00} per violation on my consumer report. 15usc1681b no permissible purpose to place on my report. Please remove the 1 time late fee.
09/05/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43204	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have accounts that are not reporting correctly on my credit reports ACIMA CREDITXXXX XXXXL # XXXX, XXXX XXXX # XXXX. I HAVE SOME LATE PAYMENTS REPORTING on my credit report that is stopping me from closing on my home because it dropped my credit score severely. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
09/30/2021	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	NC 27405	Web
This Had to have my identity taken at 1st it was listed under XXXX XXXX XXXX = being the 1st name XXXX = the last name my name on XXXX. address Unknown nothing was never delivered to my apartment that I have lived at my apt for 9 years I also have a lease.. I moved here in XX/XX/XXXX. I tried to me the company & they said the owner had a XXXX number called and when more information I needed my ID from that point EVERYTHING Went IN MY NAME. I have no knowledge of what was bought nothing. The police needed more info I have nothing but a credit report that is now in my name that started off under my XXXX name LOOK everything on my credit is in good standings why not this I'm at a stand still... PLEASE HELP
07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23223	Web
I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through Acima Credit. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, Acima Credit reported my account as late on my credit report. I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. This item has been disputed through CFPB in the past.
08/04/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or misleading advertising or marketing	LA 70461	Web
Purchase a necklace through lease ( XXXX ) option ACIMA leasing on XXXX. Making payments on regular payments. However this last month of my contract. I contracted XXXX and asked Acima for some relief, because I had to shelter in place for XXXX days, I spoke with rep, she stated she would note my situation on my account. They wouldn't contact me for XXXX days. However I received a barrage of phone calls everyday twice a day even on Saturday & Sunday. Harassments to the fullest, I asked the operator was their notes on my account, that I had already spoke with rep about my condition. She stated yes, but company policy was however was keep up pressure calling client until they submit or return necklace.
02/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OK 73160	Web
This company charges you taxes on the loan payments. This is in addition to the taxes paid on the original merchandise order the loan was for. They also do not charge you on the days you input for payments, resulting in insufficient fund charges and late fees. Went to pay it off. The balance went from {$530.00} to {$1000.00} in a week. This is outrageous. And the tax on a payment of {$600.00} was {$51.00}. This was almost double what the tax was on the original order alone. The XXXX XXXX XXXX make it sound like the tax is ONLY on the merchandise order. Not each loan payment. They are very predatory! They also do not answer the calls or chats. Chats will say they are closed and goodbye and shut down.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90630	Web
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, ACIMA DIGITAL FKA SIMP XXXX Open Date XX/XX/2021 Balance : {$1400.00}
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 92240	Web	Older American
I received a notification from My IDCare.com that there was a credit inquiry under my name or SSN from XXXX payday loan providers last XX/XX/2022 in which I didn't applied for. The companies are XXXX XXXX with tel. no. ( XXXX ) XXXX and XXXX XXXX with tel no. ( XXXX ) XXXX. I tried to settle and have the companies stop whatever illegal operation was being done under my account but they wanted some important information which I don't want to provide. ( my SSN ) In relation to this I would like to report this incident to protect myself or my account from being used in some illegal activities especially loans and purchases. Please help me resolve this problem as soon as possible. Thank you very much.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 274XX	Web
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all
03/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 231XX	Web
I had a 90 day same as cash lease purchase with Acima on a XXXX XXXX sectional. I paid this off in full within the 90 days period from delievery date in XXXX. This was paid off in full on XXXX, XXXX, 2020. I received a paid in full receipt on XX/XX/2020. They have reported this to the credit burea as past due, which is not true. I have proof of my lease # XXXX being paid off in full within the alloted 90 day period. I've submitted this to equifax to remove this invalidness off my credit report, unsuccessfully. I am now contacting you all for assistance to get this removed and help me out as I don't know where else to turn. Thank you for your assistance in this matter. Respectfully, XXXX XXXX
01/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94565	Web
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA CREDIT XXXX XXXX ... XXXX, NA that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
08/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NE XXXXX	Web
I purchased a washer on XXXX XXXX XXXX. From the pos I was offered credit that required me to pay {$350.00} initially and 6 months of payments for {$100.00} each. When the 6 months was up, I called the lending company to see why I still had a balance and they said bc I hadn't responded to an email that I don't remember getting that I had only been renting the washer and needed to make 6 more months of payments or pay out more than {$300.00} immediately. That if I didn't, it would ruin my credit and they would take the washer back. At this point I've paid more than 150 % of the original price of the washer and the additional 6 months would make the payments almost 200 % of the purchase price.
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20904	Web
Acima allowed someone to fraudulently open an account under my name without taking the steps to properly verify the identify of the person who opened the account. After reporting the fraud through the credit bureau they denied to allow them to take this off my my report. I then disputed this through Acima and the told me to file a police report. I did that and gave them the report number and they said now they need an actual copy of it which the police department said would take over 3 weeks. This is all why I am trying to apply for a mortgage and this is making it almost impossible. This account the fraudulently allowed to be open is ruining my life and they dont care to straighten it out.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46219	Web
I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for Acima. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 754XX	Web
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89084	Web
XXXX has a XXXX day late XXXX days late on my credit file that has issues in which ACIMA claims they placed on my credit report Acima was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. When calling Acima to pay off the account with the 90 days same as cash the price change every time. You can never get nothing in writing or letter nothing but he run around with ACIMA claiming they place the late on my credit file. Every time calling rude hanging up attitude saying XXXX place the info on there not them. I mailed them certified mail with no response to the issue
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08050	Web
My XXXX credit report shows that I have a past due account in collections with a lease to own company called Acima. I have never done business with this company and never opened an account with them. Up until seeing it on my credit report I had never heard of this company. I called the company and have reported it as fraud. I filed a report with my local PD that I am going to submit to Acima once the report is available. Acima said they won't do anything without a police report. I disputed it with XXXX who stated they reached out to Acima and stated that the account is mine. I asked for proof of the account or any information on the account and nobody will provide anything to me.
06/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94109	Web
since XXXX of the last year I got a credit line with Acima Credit which obligatiob number is XXXX, the payments i made are the followed, first payment XXXX XXXX, second payment XXXX XXXX, third payment XXXX XXXX, fourth payment XXXX XXXX, fifth payment XXXX XXXX, sixth payment XXXX XXXX, seventh payment XXXX XXXX and last payment to pay off the entire debt XXXX USD, everything was registered in their system. now on XX/XX/2020 they started to charge on my checking account amounts again for the debt that I consider was payed off since XXXX.I got the bank statement that shows the payments and they have the voice calls that I did with them showing my intentions to pay off the debt.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CT 06704	Web
Acima Digital Fka Simp Act. # XXXX Collection/ Chargeoff XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments XXXX XXXX Late Payments Compare this account across all bureaus. Hide Comparison Reported Condition Balance High Balance Payment Status Late Payments Amount Past Due Type XXXX Closed {$0.00} {$0.00} {$0.00} XXXX XXXX {$0.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/03/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85210	Web
I got a loan in a Furniture store for my goods. XXXX XXXX is the lender. Some terms in the contract were not clarified by the salesmen and finance company. like payment is twice a month and the amount of interest in the account is extremely high ; if the purchase was {$1000.00}, but total to pay off is around {$2100.00} ; it is the double for interest of original finance, this was not clarified at the time to sign, not include a discrepancy when pay if my payday is on XXXX and XXXX ; They put it in contract twice and the interest increase another %. By today ( XXXX ) I have paid a total of {$1500.00}. Also I do n't have a clear chance to check my balance. Thanks
10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	MI 48224	Web
I paid the company off back in XXXX XXXX XXXX I contacted the company to try to resolve the issue the customer service agent told me I still owed the money because I had missed a payment because they sent the check back because it was misspelled. I stated there is now way I owe you over {$900.00} for missing 1 payment and you also would not have waited 6 months to try to collect you money if i still owed you. They are still taking money out of my account. They have taken over {$150.00} plus overdrafts fees I paid the balance off from the information. I got the payoff amount from their customer service agent. They waited 6 months to start taking money out of my account again.
03/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90621	Web
IN RESPONSE TO PREVIOUS CFPB COMPLAINT : XXXXXXXX XXXX ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 Please provide with me with the proof of wet signature to confirm my leasing deal with this company. Failure to do so will be in direct violation of several subsections under 15 USC 1692e. Also, any attempt to furnish my information negatively as a result of this complaint and the failure to provide a proof of wet signature for this leasing agreement will be liable under 15 USC 1692j and 15 USC 1692k. This is a final warning to Acima Credit to remove my leasing agreement on file and update me with the results. I will sue if these needs are not met.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89032	Web
Hi, my name is XXXX XXXX and I have an aacima digital fka simp lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, XXXX continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.
07/26/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19143	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/24/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28214	Web
ACIMA DIGITAL FKA SIMP XXXX Original Balance {$1300.00} Status Updated. XX/XX/2022 Balance Updated {$1500.00} It is illegal to add on to debt and to report misinformation to a credit profile knowingly This debt is not owed Acima was paid in full for this debt after charging it off they reported it as a lost on its taxes then filed an insurance claim which compensated Acima in full Its illegal to continue to report debt when no debt is owed Acima is violating my privacy by reporting fraudulent debts and negative inquiries to my credit report the 15 USC 1692 g validation of debts SECTION 604 15 U.S.C. 1681B SECTION 605 A 15 U.S.C. 1681 C-1 SECTION 605 B 15 U.S.C. 1681 C-2
07/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 374XX	Web
This was a 90 days same as cash. When this account was open they double charged me and when i made a payment on time before the 90 days were up they still charged me the full amount. I have tried to communicate with them but customer service refuse to listen to what i have to say. This was a big mess and the result is that they have put this on my credit report. Also... n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27603	Web	Servicemember
Last year early summer. I started having {$26.00}. Taken from my banking account every other week. Unrecognizable transactions. the company name was ACIMA XXXX XXXX XXXX. AS OF XXXX, 2022 its stated as charge off. I have also sent my bank XXXX XXXX XXXX XXXX information and they investigated the matter. I was rewarded my money back from all the months ACIMA XXXX XXXX XXXX was taken out which was XXXX dollars total. I have did a police report. No Leads. The wrong social security numbers were used. They had all my information except for my birth date and social was wrong. Which is an unauthorized use of my information. Penal Code 530.5 PC N.C. Gen. Stat. 14-113.20
06/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75071	Web
I have been trying to log in to make payments on the account with Acima Credit in which I have been unable to do so or the last 45 days. I knew today was the final day paying off the loan with no interest added. However I was unable to log in so I paid over the phone in which I was provided no receipt of transaction for my payments. Nor have I been receiving receipts of online transactions since I have been locked out of my account. I call waiting for a Supervisor twice in which both times I was hung up on. All I need is documentation of my transaction even if they do not want to give me access to the account online. Acima Credit https : //www.acima.com/XXXX XXXX
02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46224	Web
Acima Credit has reported to credit bureaus that I owe them over {$2000.00} for a mattress set, purchased in XXXX of 2018. This is incorrect. I wished to return the product due to the companys dishonesty in business. I was advised through email that they could not take the mattress set back, however I could donate it to charity and provide Acima Credit as the donators and the issue would be resolved. Acima credit told me to get a copy of the donation receipt and email it to them which I did and I was emailed back and advised that the issue was resolved and I no longer owed them for the mattress set. Now I am seeing this debt in my credit report and it is not right.
07/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46410	Web
Approved for a mattress on XX/XX/18 and wanted the 90 day payoff. Called in on XX/XX/XXXX to change the payment amount for it to end on XX/XX/18. Noticed that XXXX was taking out the incorrect amount on what was supposed the final payment. Called in and spoke with XXXX XXXX senior agent who acknowledged that it was their fault that their system didnt change the payment amount and that we had to go full term which was an extra {$600.00}! XXXX, XXXX, and XXXX blamed US for not catching their error. How are you blaming the customer for an admitted error on YOUR PART. Requested {$90.00} be taken out biweekly but they were only taking out half of that amount.
01/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76549	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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19038	Web
According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, XXXX, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. XXXX DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
12/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT 06320	Web
On XX/XX/XXXX, I was approved for lease loan in amount of around {$2500.00} with Acima. A lease agreement was signed for a purchase with XXXX XXXX XXXX, however, order was then canceled as I decided not to proceed with purchase.. On XX/XX/XXXX, I attempted to make a purchase at XXXX 's XXXX, was declined.. It appears the prior purchase may or may not have something to do with decline, the order might still show in process and or merchant has not canceled on their end... I attempted to clarify situation by speaking with Acima rep, was told no information regarding decline ... There appears to be a technical issue which Acima reps refuse to address
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19149	Web
This letter is to inform you that the following information in my credit file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Acima Credit XXXX XXXX lease Charge-off XX/XX/2018 {$730.00} XXXX company removed from report and reported again on XXXX. No further information reported at this time.
05/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 288XX	Web
I leased furniture through a company called acima credit. And signed a lease over the phone thinking I was paying the amount discussed over the phone which was {$650.00}. They then sent a letter a few weeks later saying I had a XXXX deadline to pay off the bed. That was XXXX XXXX XXXX . I called to figure out when my deadline was and told me it passed and that I now owed {$980.00} dollars. I asked to be transferred to a supervisor, which was very rude, to try to resolve the issue. I never knew I was signing a lease for more then the amount owed until I received the letter. But the damage was done. The lease was already signed.
10/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60619	Web
I lost my wallet that has my identity and debit cards and then someone found it and used for purchasing of item with my debit card and ID from the company called Acima with lease number XXXX since then the company they bought the item from has been disturbing me with debt collection and I have tried my best to reach out and explain things to them that I have no idea of what they talking about and they threaten to damage my credit by reporting the debt to debt collection and credit bureaus for the damage of my credit so I'm filling this report to help me put a stop to it and I will be grateful if my request can be considered..Thank you
03/15/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	UT 84116	Web
The company was not forthcoming with information that I had NSF fees due to them pulling and re pulling a payment. The company charged me every time that a payment was ran, while my bank shows that the only attempts made were successful. This cost me XXXX $ at the end of the line of credit. There was no notice on my account that anything was wrong. I was told that I could change the due date later, but as I showed each payment went through successfully I did not feel this was necessary. The way they charged these fees was very deceptive and they would only waive 45 %. This company is fraudulently charging NSF fees to make more money.
10/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89084	Web
ACIMA issues are they tried hitting my account for payments 2 times and i set the account on monthly and it's suppose to be 90 days same as cash. I called get hung up on trying to resolve the issue. My bank contacted me to Acima was trying to hit my account 2 times weekly. Bank stop payments to Acima due to them trying to hit my account 2 times a week Rude on phone always trying to over talk you never can say one thing to resolve the account. {$50.00} dollars that was told to open the account and it went towards my bill. One lie after another with Acima and this weekly I change setting the account up in the store over the phone.
01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTENTION : Consumer Dispute Department I am writing this letter to delete the following information in my credit file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I asked that thew items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and also i have enclosed copies of the Federal Trade Commision and also i have enclosed cpoies of the Federal Trade Commision Identity Theft Affidavit. Please delete these items as soon as possible
01/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30577	Web
I wish to Early Pay Off the merchandise purchased/leased 90 days According to my contract they are trying to charge a pay off amount that exceeds the contract amount agreed. I am paying within the early pay off option. The cash price is XXXX with a payment of 30 initial payment deducted a 10 buyout fee added and a deduction for 2 payments of XXXX ( totaling XXXX ) this leaves a balance of of {$1200.00} Acima is requesting a sum in excess of this. Clearly the contract makes no provision for this. they are refusing to open a dispute process they are saying additional tax is due but that is not reflected in the contract.
10/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21215	Web
I leased a bed from someone on XXXX, after no longer needing the bed upon needing to move where bed was not required. Bed was return to independent mattress salesman. As well as payments were made up until bed was given back. The bed had a lifetime warranty as long as no stains or rips which the bed did not have and was accepted back. The salesman agreed to the take product back but Acima did not update the information on my XXXX credit report nore did I stop receiving emails regarding a balance I already settled with payment to salesman. Sales man is no longer available for contact, as number provided no longer works.
09/30/2022	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	IL 62703	Web
I have tried multiple times to fix an inaccurate account on my report with experian. Acima credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for XXXX and Acima to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 080XX	Web
There are now XXXX accounts from Acima and the address associated to them is XXXX XXXX XXXX XXXX PA XXXX. I have never lived at this address or in Pennsylvania. I have disputed these items so many times and XXXX will not remove them and I have also contacted Acima directly. XXXX tells me I can not dispute the address online since it is associated to Acima but I have disputed Acima 7 times with no resolution. The owners and residents of this address are named XXXX and XXXX XXXX and I am not related to them nor know them. XXXX was sent documents of proof and still will not remove the address or fraudulent accounts.
05/03/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web
Around the end of XX/XX/XXXX I contacted Acima credit. I explained to Acima that my identity was stolen and used to purchase furniture. A representative name XXXX advised me to obtain a police and email the police to Acima. Thursday XXXX XXXX I emailed two police reports. A minute later a representative name XXXX accused me of making payment arrangements back in XXXX. These are false allegations and Acima credit is protecting criminals. XX/XX/XXXX I emailed Acima asking for a copy of the application that was forged using my information. Acima refuses to provide me with the document. I will be taking legal action.
07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33714	Web
I have contacted this merchant several times in reference to this account. I placed order with furniture for less I was granted {$700.00} credit limit I ordered a XXXX XXXX that was no longer available and had been discontinued. Three days before delivery was expected I was advised I would not be receiving my bed that it had been discontinued. I had to call several times just to get a refund it took about 2 months to refund my money. I have disputed this twice and nothing has been removed. Acima Credit I opened this account XX/XX/XXXX not XXXX. Contact info XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
I attempted to contact the following companies in regard to Identity theft & fraud with the following accounts : XXXXCIMA DIGITAL FKA SIMP - Opened XX/XX/XXXX ..... Updated XX/XX/XXXX ... {$3700.00} XXXX XXXX XXXX Opened XX/XX/XXXX ..... Updated XX/XX/XXXX. {$4200.00} XXXX XXXX XXXX Opened XX/XX/XXXX ... ... updated XX/XX/XXXX, {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ... updated XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$4400.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX... Updated XX/XX/XXXX, {$15000.00}
04/21/2022	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 Was not notified of investigation status or results	IN 46815	Web
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with the following creditors and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! ACIMA CREDIT FKA SIMPL XXXX US DEPT ED XXXX US DEPT ED XXXX
02/10/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30518	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Amount- XXXX $ I bought Furniture from this company for XXXX XXXX I then paid it off in installments. Once I paid it off they began calling and XXXX me about money I owed. The amount they were stating was not what we agreed on when I bought the Furniture. This was in XXXX of XXXX. A few years later it appears on my credit report as a debt that I owe. They sold this so called debt to a debt collector ( Acima Digital FKA SIMP ). It seems as Furniture conspired to scam me all along. Thank you very much for helping with unfortunate, time consuming process.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70816	Web
I have contacted Acima XXXX FKA Simple regarding an account that is listed on my credit report that was opened fraudulently. Account number XXXX original balance XXXX. I have advised Acima that this account was opened fraudulently and have requested a deletion off my credit report. I explained that an ex roommate XXXX XXXX stole my information and opened this account. She had access to all my personal information, drivers license ect. I have filed a FTC report regarding this issue. I have not heard anything back from Acima regarding this issue. Your assistance is greatly appreciated regarding this matter.
10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77573	Web	Servicemember
In XX/XX/2017 I bought a mattress from XXXX XXXX in XXXX XXXX it was financed through XXXX XXXX. In XX/XX/2017 the mattress was returned and XXXX XXXX delivery picked it up from my home. XXXX credit shows it on my report as delinquent of {$1000.00}. The mattress only cost {$590.00} and we returned the mattress so we owe no money and certainly aren't delinquent. XXXX said we needed proof that it was returned. The company we bought from picked it up. We can no longer speak to mattress overstock because they are permanently closed. We shouldn't have a charge off on credit report for an item we don't even have.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 292XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 320XX	Web	Servicemember
Acima is on only on my XXXX report. I have paid them XXXX dollars monthly that they took out automatically. My account has been deemed as late 30 days and 60 days however I was only late by a few days, nagain which are the days they took the payments. They are saying they got XXXX, but no payments on XX/XX/XXXX-XX/XX/XXXX. I paid them offnin XX/XX/XXXX but they are reportingXX/XX/XXXX. I have the receipts they emailed to me. In XXXX there was 3 payments taken. This company is ruining my credit. And XXXX system won't take thebproof, the proof, emailed and uploaded the proof and mailed it in. Please help
07/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85029	Web	Servicemember
Went to get car fixed. The total in charges was roughly 4k. Because of covid I could finish the payments withing the three months allotted. They doubled the amount owed to over 8 thousand dollars. The funny thing here is the taxes where on the bill so it should have been part of the loan. Everytime I make a payment they charge me another tax on top of what was included in the bill. Didnt the U.S. get rid of these types of business that are extorting money at an outrages amount. Now I'm being told that they wont work with consumers due to covid and the supervisor XXXX just hung up on me. What can be done?
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 755XX	Web
I've paid this account in full with acima credit but it's showing up a late payment which is not accurate and the truth in lending act section 15 u.s.c 1666b says A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless creditor has adopted reasonable procedures to ensure that each periodic statement including information required in section 15 u.s.c 1637a 1-9 of the truth and lending act I never received any of that information. If there's any rebuttal please send me documentary evidence 15 u.s.c 44 to support your proof of claim
02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29483	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
06/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 755XX	Web
On my credit report there is a fraudulent account on my report for a LEASE from a company called ACIMA FKA opened in XXXX for XXXX XX/XX/2017 to be exact I reported it as fraud to the company themselves and to XXXX credit bureau a year ago when I discovered it I am told I must make a complaint so that they can investigate and remove it Or make a police report Acima phone number is XXXX Please help me get this fraud off of my credit report ACIMA will not even tell me what property was leased using my name and SS # although I can prove I have lived here for 7 years and did not lease any property in XXXX
12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95758	Web
Acima account was settled in XX/XX/2020. Upon settling the account a letter for deletion was requested. Acima refit did not send the letter of deletion. The account was closed and is reporting as a charge. Ive tried to contact the merchant regarding the account and was informed that I will need to reach out to XXXX to have the account disputed. Ive tried disputing the account multiples times and has had no luck. I also tried disputing this account through XXXXXXXX XXXX XXXX as well as XXXX XXXX and have no luck. The account is reflecting negatively on my credit and I would like it to be removed.
10/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	KY 42223	Web	Servicemember
I had bought some furniture from this company called acima, with a 90 day pay off option. We are XXXX XXXX XXXX and nothing was established in the agreement with Acima and my husband and I. They did not disclose the MLA, then overcharged us for a {$1900.00} purchase, and said that if the 90 days the product was not paid off, then we would have to pay {$4000.00} for our product. Spoke with customer service and customer service told us that they have a 35 % agreement ( which was not explained nor spoken about prior to entering the agreement ) and failed to give us our MLA rights to our purchase.
10/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
XX/XX/XXXX Contacted Acima leasing company advised they were charging me for a payment that was made in the 90 day buy out period spoke to a representee he took card information for last payment that i tried to make myself through auto system. I disputed with bank statements showing payment was paid company closed account put a higher amount on report, i sent several letters asking for the derogatory information to be removed from account advised them to stop reporting false information they continue to put false updated information on report. Final Payments were made in XX/XX/XXXX XXXX twice
07/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38305	Web	Servicemember
This debt apparently occurred as a result of identity theft. I spoke with a representative from Acima and she stated this was a finance furniture account. I have never financed any furniture or never had a furniture bill anywhere. I had no knowledge of this debt until it was placed on my credit report. According to the IRS, charge offs are considered income therefore I should've received a 1099c ( if this was my debt ) Income is forbidden to be on a consumers report according to congress 15 USC 1681 2. ( a ) ( i ) No transactions or experience are allowed to be on a consumer credit report.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33897	Web
In accordance with the fair credit reporting act. The List of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681 Acima digitalXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SD XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33462	Web	Servicemember
on XX/XX/2020 I received an email about a new account added to my credit report i got several alerts about it from a few credit monitoring services. I noticed an account was showing from acima credit services which I did not open. I have fraud alerts on all my credit reports and a phone is listed to call for any new credit due to my x wife having access to my personal information. no contact was made by acima credit before the credit was extended. i have no idea what the credit is for or did I give permission for it to be granted. i have a FTC identity theft report filed case number # XXXX.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 24502	Web
On XX/XX/2021 I Reached Out To Acima Credit XXXX XXXX About Accoun XXXX That Has Been Damaging to my credit report I asked for a debt validation I asked Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -License proof to collect debts in my state I have not received any documentation or any response it has been over 30 days since the letter was mailed and I stated in my letter a sign of silence is a sign of guilt and I need this removed from my credit report
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am requesting validation, my handwritten signature that binds me to the alleged debt. 15 USC 1681 e ( b ) assures that I am due and promised accuracy in my report based on federal law. This is NOT a request for " verification '' or proof of mailing address, but a request for " VALIDATION '' made pursuant to 15 USC 1692g Section 809 ( b ) of the FDCPA. I am requesting to have any/all unverified information be removed promptly after investigation per 15 USC 1681i ( A.5 ).
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48219	Web
On XX/XX/XXXX a fraudulent account was opened under my name for installment loan through Acima Credit. The loan was for {$2800.00} with monthly payments of {$230.00}. On XX/XX/XXXX I received a negative alert on my credit report stating that XXXX payments have been missed. On XX/XX/XXXX I called Acima Credit to dispute the account and they were little to no help. They told me that they require a police report to go any further with it. I have placed credit freezes on my credit through all XXXX credit bureaus. Acima Credit Fka Simpl XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
12/03/2021	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	NY 11203	Web
This specific account is in fact stated as a charged-off account, you need to identify why exactly there is a balance indicating on the file whether it is a charge-off? The balance is truly wrong, make sure to change it to zero or eliminate the item totally. Make sure you also furnish documentation to substantiate all the charges and credits for this supposed account that led to the extremely high credit figure you have detailed on my file. My request to present these documents is usually a standard information inquiry based on my privileges granted within the fair credit billing act.
02/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30252	Web
Acima responded back to my dispute with the CFPB, but clearly is violating my rights and the FCRA Laws. They stated I was charge off as of XX/XX/XXXX due to late payments. If you clearly see here on my records with XXXX it shows the 100 % truth that this company is lying and not following the laws. Also I have proof of other records that will be attached showing that on XX/XX/XXXX I was offered several options for this account as a settlement. So on XX/XX/XXXX I accepted the offer " DONATION '' option that was given to me by a representative of that company as proof shows attached.
12/21/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NY 11223	Web
on XXXX XXXX XXXX furniture store in the XXXX had as big sale online, they promoted ACIMACREDIT, they stated you can get up to 2000 approved. so i apply and received XXXX approved. XXXX furniture store told acima we received our merchandise and i have not received anything yet and today is XX/XX/XXXX. i called acima they were very unprofessional and didnt give 2 XXXX about them taking money out my checking account knowing XXXX is right around the corner. this is completely fraud! i need help with removing this off my credit and for them to stop charging me for things i dont have
01/22/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IN 46235	Web
I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.
04/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85041	Web
This was our third time doing a 90 day same as cash we paid off the other loan and then took out another This time they said we didn't ask to have it set as a 90 day same as cash and therefore was charged a 12 month lease which ended up costing us three times the amount we agreed to The company was reporting the amount owned from day one as a higher amount then we where even qualified for on the same as 90 day same as cash loan. The company was unwilling to honor the 90 day same as cash and we ended up paying {$7500.00} when all we agreeded to was {$3000.00} lease number # XXXX
10/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92116	Web
I bought a bed from XXXX on XX/XX/2020 I bought it on lease from Acima I Paid XXXX that day and took on a lease. On XX/XX/XXXX I returned the product to XXXX. I no longer have the property. Despite the property being returned they charged me again on XX/XX/2020 XXXX and are trying to get more money from me despite me returning the product and threatening late fees. I am no longer responsible for this and need a refund and for them to leave me alone. So I paid XXXX for something I do not have. And they are trying to make me jump through hoops and pay for things I already returned.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19141	Web
On XXXX XXXX Acima credit added a derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According FCRA Acima credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
03/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60108	Web	Servicemember
The company failed to honor their 90 day " same as cash '' agreement by fraudulent means. I attempted to make this payment close to the expiration of the 90 days and was unable to due to an error on the company 's website. I engaged the company by contacting customer support and didn't receive a response until after the 90 days. I believe this to be a fraudulent tactic in which the company uses. Now, I've paid twice the amount of the " same as cash '' price and the company has cashed {$3000.00} in overdraft fees to my bank account by retrying the payment reach time it fails.
10/01/2020	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 Problem with personal statement of dispute	GA 30058	Web
XX/XX/20 was contact by acima credit said pay {$610.00} and they would settle account and have remove from credit they didnt do it And instead reporting as {$170.00} charged off but account legally paid in full which is still causing to show like I owe them money and is in a negative state I spoke with them several times was hung up on or told they have no control over this but like I told the lady you ( acima ) are the ones sending in report also I was told this would be remover from my credit like I told her check your records and recordings because this is what I was told
11/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
According to Acima Credit in my last complaint I submitted the cfpb Acima Credit stated that laws under 15 USC 1692 does not apply to them but according to federal regulations the only sellers exempt are Contracts before XX/XX/1977 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). and they are indeed in violation of the laws I stated in previous complaint in my affidavit also they are still reporting after I sent in a cease and desist through all mediums including consumer reports
11/13/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MI 48234	Web	Older American
Car broke down ( XXXX XXXX XXXX ) had already paid XXXX for brake job repair. Signed a note with XXXX XXXX XXXX XXXX. under ( XXXX XXXX ) for brake repair, after repairs the amount was XXXX after 90days. XXXX for 12 months. I can not borrow or raise the money to pay the loan off by XX/XX/XXXX. I already made 2 payment of XXXX. XXXX a piece. What can I do? Just keep paying for 1yr? I said the brake repairs were too much. and I was treated very hostel by MGMT. was told '' move your car off my lot or pay in a loan for repairs, I am an older lady and I signed for repairs.
10/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11208	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
01/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30168	Web
I have to make payment of {$520.00} a month for my installment loan but during this situation ( corona virus ) I was trying to keep my credit right but for this situation now I have this negative Item in my report. they was trying to take the money automatically from my account but the payment was did not go through. I call the company to ask them why they never notified me about this situation and at the same time I was trying to fix it but they can't do anything and now a balance of {$1100.00} that is on my report affecting my credit score for this unfair situation
09/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 305XX	Web	Servicemember
The company has a 90 day buyout that I start lease around XXXX of 2020 and the 90 days expired in the middle of covid 19 The purchase was XXXX and i paid a total of XXXX plus XXXX tax total of XXXX on XX/XX/2020 Because it wasnt paid off in the amount of XXXX within 90 days they are charging me double to have it paid off in one year But Georgia 's ocga XXXX states no loan shall charge any rate of Interest greater than 5 percent directly or indirectly Breaking down XXXX over one year is XXXX but they are saying I have to pay XXXX daily in there lease amount of XXXX
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 78664	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
11/06/2023	Yes	Credit card Store credit card	Closing your account Company closed your account	CT 06108	Web
ACIMA DIGITAL FKA SIMP lease with account # XXXX and a balance of {$3100.00}. This account is a charge off account and is no longer active on the creditor books, ACIMA DIGITAL FKA SIMP lease is reporting a active balance to the credit bureau and decline my request for a 1099-C form, creating damages to me an my family credibility intentionally the IRS laws stated that charged off account should be reported as GROSS INCOME, ACIMA DIGITAL FKA SIMP lease is reporting incorrect information to the consumer reporting agencies which is a volition of consumer rights.
07/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TX 77057	Web
On XX/XX/2020, I purchased a washingmachine using Acima Credit. When the item was delivered, it was defective and not working properly. I immediately contacted the seller who told me it was my problem. I then immediately contacted Acima Credit and asked them to pick up the defective item. Acima Credit stated they would not pick up the item but instead they would offer me a settlement price. I paid the settlement price and Acima Credit listed it on my credit as a negative item. I was never informed that this reflect on me negatively and be reported on my credit.
01/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web
There is an inaccurate account on my credit reports with Acima Credit that I have been disputing for some time now. I sent them a letter in the mail asking for validation of debt and have never heard back or received anything back from them in the mail. XXXX is the tracking to prove it XXXX XXXX XXXX XXXX XXXX. It is illegal to ignore a consumers requests and disputes for accounts on their credit report. It is also illegal to report account without valid proof and documents showing that this debt belongs to me. Please delete this account from my reports now.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10705	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33018	Web
I have a loan with ACIMA CREDIT FKA XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ACIMA CREDIT FKA XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and ACIMA CREDIT FKA XXXX with no successful resolution.XXXX reporting me having late payments. There was an error on their part. I was never late.
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70058	Web
This complaint is about ACIMA CREDIT This debt was a result of identity theft I explained this to the debt collector but they refuse to delete it I got a police report and sent it to them I never filled out a fraud packet their reason for not deleting it is because all my information matched but if someone stole my identity of course all my information will match I settled with this debt collector because im in the process of closing on my house and I didnt have a choice in order for me to get my house I didnt have the time to wait on them to resolve this!
02/12/2023	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	CA 958XX	Web
I disputed a charge off account on my XXXX credit report that has incomplete and inaccurate information. XXXX did not do a thorough investigation and the charge off remains on my credit report. The account was last updated on XX/XX/2020, with a status of charged off. The account history shows a 30 day late, a 60 day late, and then a charge off. From my understanding, charge offs do not occur until after 120 days. The account also appears as a car lease, when I did not lease a car with the company. The account also has no date of last activity listed.
09/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 11691	Web
To whom : it may concern I rented merchandise from XXXX. XXXX thru Acima credit and I negotiate a short-term payout last payment was due on XX/XX/2022 money was in the account in which that didn't withdraw on a due date I didn't notice of said action until after would be made it to appear that I didn't pay in which it was set for automatic payments for Acima to subtract from the account. Then in the month of XX/XX/2022, I reviewed my credit report and saw that Acima reported that my account was paid out and closed and they keep harassment going on
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AZ 85042	Web
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77070	Web
So I have been getting phone calls and emails from this agency called acima credit. I apparently owe them {$10000.00}. They have reported it to my credit. Ive talked to them on the phone and told them that I do not owe them anything because I was never aware of how or even why I owe them that amount of money. I have no idea To this day why I owe them that amount, where it came from or who had my information to authorize it. they then said to report it as fraud and send them the report ... I really need this off my credit. As Im sure you understand.
11/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
I sent a letter to ACIMA CREDIT requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, ACIMA CREDIT provided me with billing statements which does not prove i am obligated to pay them anything. ACIMA CREDIT have reported delinquent information to the credit bureaus that i am asking to be deleted. The bill that was sent to me is not the same account thats being falsely reported to my credit nor does it have the right address.
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38115	Web
I recently was denied a car loan due to the incorrect reporting and negligence Acima Leasing. They wilfully and knowingly reported incorrect and inaccurate information to the reporting companies. Acima Leasing is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1611 ( 1 ). They are reporting a vehicle lease on my consumer report which in fact it was not a vehicle lease it was a phone. They have made it hard for me to get to work with this wrong and fraudulent reporting. I have uploaded documents that I have sent them with no response.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48180	Web
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ACIMA DIGITAL FKA SIMP used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ACIMA DIGITAL FKA SIMP reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
04/04/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 19133	Web
I am being charged a late fee o f $ 700+ d ollars by a loan servicing company by the name of ACIMA whi ch was formerly known as XXXX XXXX . I signed legal documents authorizing this company to take out automatic payments every other week of the amount of {$100.00}. However when it was time for the 90 day buyout option for my furniture I was misinformed by a representative and charged a late fee. No where on my contract does it say I was to call this loan servicing company authorizing a final payment I already signed a legal document for.
07/28/2022	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	AZ 85023	Web
I purchased wheels and tires from a noteable tire shop in XXXX XXXX. I used there credit option as the told my it was free to finance. I paid XXXX over the last 3 months of the XXXX amount. I should only have XXXX left to pay but they are saying I still owe over XXXX bucks for a total cost of XXXX and now they are trying to call it a lease?? I never signed a lease. How could they charge me over XXXX extra in interest? None of these final charges were ever given to me when I signed up for this. The Company is Acima Credit. Account XXXX
03/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 92507	Web
The item I purchased was a carbon fiber splitter from custom creations. The item was returned due to being defective. The store custom creations closed shortly after. Custom creations never processed my return with Acima. Acima has placed a charge off on my credit every month for 3 years. Also the item that was placed on their purchase item was an intake. I have proof Ive never owned an intake also they didnt provide a description of the item, brand, price, type of vehicle. The store is closed and the FBI has been contacted, this is fraud.
03/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76111	Web	Servicemember
I used acima finance company for some furniture from XXXX, i have made all my payments on time i used a credit card to make the payments and i notice on XX/XX/22 every time i made a payment to the company i have been getting charged a XXXX $ XXXX advance fee. I asked the company how are the charging me an they stated as a debit card instead of a credit card, i asked if they can charge my card back and then take the payments back as a credit charge they stated they cant do that an they cant do anything to help me but pay one XXXX $ charge.
10/01/2021	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	TN 38116	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Please remove this account pronto.
03/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL XXXXX	Web
Upon checking my consumer report. I see that your company is reporting a account on my report saying that i owe your company {$1800.00}. I have tried to deal with your company in resolving this account but i am getting a hard time. I even got told that i would be sued if i didn't pay this account. I am a victim of fraud and this company i do not owe. I also never gave your company written consent or put my signature on anything with your company. I have tried to the best of my abilities to get this solve with no effort from the company
12/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT 06320	Web
As explained in prior CFPB complaint, Acima approved me for credit on XX/XX/XXXX, then denied me on XX/XX/XXXX, possibly due to cancel of order with XXXX XXXX XXXX, order may show pending or in process on Acima end... I was denied with XXXX 's Jewelry on XX/XX/XXXX, Acima claims reason is : '' Unable to verify Identity '', in which case, no ID verification requested at the time or previously on XX/XX/XXXX ... As stated in prior CFPB complaint, there appears to be a technical error on end of Acima which reps will not admit to or address
01/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	GA 30035	Web
In XXXX of XXXX I opened a furniture loan with ACIMA. I explained to them I had gotten XXXX shortly after and then both my children causing me to lose work. On XX/XX/XXXX I called ACIMA to make the final payment and close the account. I was told by the agent who helped me once the payment clears the account would be removed from my credit file. ( Payment confirmation number XXXX ) Ive even attempted to dispute it as creditor agreed to delete unpon payment and have had no luck. As as of today XX/XX/XXXX its still showing on my report.
06/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76036	Web
I paid my loan payment sooner and called to cancel the reoccurring payment for XX/XX/21 agent refused.. The agent XXXX was rude would not listen to my request and spoke over me, refused to transfer me to a supervisor after 6 or more request she gets me a supervisor and tells me I have to act professional to speak with a supervisor. She also asked me twice why I wanted a supervisor. I advised her both times because she is rude and not listening to me. I have been with acima for some time now and has never received this kind of service.
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 755XX	Web
ACIMA DIGITAL FKA SIMP did not give an initial nor annual notice nor disclosure that I had a right to opt out. The Gramm-Leach Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Collections pursuant to 15 U.S.C 6809 ( 4 ) ( A ) .Acima Digital FKA SIMP, its partners and affiliates that I am now opting out from my non public personal information being shared with nonaffiliated third parties such as XXXX, XXXX, XXXX and any other credit reporting agencies
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91941	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA XXXX XXXX XXXX - Account Number : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. Thank you
05/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77489	Web
Fraud, scam and false reporting to XXXX about a false debt owed and breach of contract. In XX/XX/XXXX l opened a merchandise account and canceled on XX/XX/XXXX by returning the product through XXXX to avoid charges and stopped all fees and rental. They then closed the account with out fees and rental meaning I didn't owe them anything based on the retun policy in the contract and proven through 20 email correspondences.On XX/XX/XXXX Acima was on my credit report stating I owe them XXXX willfully knowing it was false reporting.
05/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 48021	Web
Im not late in payments. Im toward the end of this loan term. In accordance with the Fair Credit Reporting Act this creditor Acima Credit has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. Acima are Violating my rights.
06/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92113	Web
On XX/XX/2022. Someone went into XXXX XXXX in XXXX XXXX CA. They opened another account in my name. Now I'm stuck trying to pay off the merchandise I never received or applied for. This company Acima everyone complains about. Also I heard some of their employees took people 's identity and used it. I'm just trying to figure out a way to pay them back so that it's doesnt go against my name or credit.. I'm already financially strapped for cash. So if there is a way for this to be resolved I'm willing to work with them.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32765	Web
Acima XXXX is incorrectly reporting a late payment was made on this account. I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. Acima then reported the payment as 30 days late to XXXX Credit Bureau. I reached out to Acima XXXX and they stated there was no technical glitch and left me on hold. This account has since been paid off in full.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32832	Web
I have an account closed with creditor Acima credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called Acima to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.
05/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11215	Web
In XXXX my credit monitoring service alerted me to a new account created for Acima. This company allows customers to buy now pay later. I didnt open this account and it was clearly a result of identity theft. I tried to resolve with the company but they said they needed me to file a complaint with FTC fraud prevention. I was then routed here. The account is now delinquent and has made my credit poor. Acima doesnt have a phone number for their fraud department and make it difficult to resolve these sorts of issues.
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21061	Web
After Acima Credit falsely offered credit on behalf of XXXX XXXX when they are actually a Rent to own business, I voluntarily, returned the Sofa. I made 1 payment and returned the product. The store informed me that they would pick up the sofa. On XX/XX/20 XXXX XXXX came and picked up the sofa. Animal credit received notification of this from the store XXXX XXXX. ACima credit continued to take payment until I filed a complaint with my Bank/XXXX XXXX to stop the automatic debit since I no longer had the product.
10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19132	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
11/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07522	Web
This acima credit company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem. bill. I need proof that this account is mine, they used my false documents to open that account for someone, damaging my credit report
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
I hasve recently checked my credit reports and I seen that there were some inaccurate Accounts : XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company XXXX is furnishing inaccurate and incorrect information to the XXXX XXXX XXXX. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my ability to obtain credit for personal and house hold purposes. You and your inaccurate furnished data has damaged my livelihood.
11/08/2021	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	NY 11735	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
10/19/2022	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	TX 77396	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
01/30/2022	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 Problem with personal statement of dispute	GA 31904	Web
I am aware of my rights that have been violated by these financial institutions and 3rd pay debt collectors. I want my consumer report and FILE. there is a difference between both. In pursuant to 15 USC 1692C ( C ) Ceast and disist. I am the only true original creditor as well as these companies are portraying to be so, in pursuant to 15 usc 1692g iu want you to provide all that is required and if you can not which I know you can not because in TILA 15 USC 1602 I understand the definition of a creditor.
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11421	Web
I submitted XXXX disputes based off of identity fraud, once in XX/XX/XXXX and second in the beginning of XX/XX/XXXX and both times it wasnt removed and when I reached out to the company XXXX I was turned away and told I need a police report. When I went to a local XXXX police precinct, XXXX, on XX/XX/XXXX I wasnt able to file a report because I didnt have fraud affidavit from Acima and when called in the presence of the police officer I was informed they do not provide that and I wasnt able to proceed.
01/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web	Servicemember
There is a fraudulent account on my credit report that was opened up in XXXX of 2017, that I DID NOT Authorize to be opened. I believe that a falsified ID may have been used to open this account, that I was unaware of, until checking my credit during the initial home buying process. The company who holds this alleged account is Acima Digital FKA Simp and the alleged balance is {$3400.00} I have also filed a report of fraud with the FTC. I am requesting this be deleted off my credit / consumer profile.
10/23/2021	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	NV 89106	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30126	Web
Acima credit has reported an account that I co-signed on 3 years ago and failed to notify me about the action. I have never heard of a company that reports to the credit bureau without notification. I feel this is an illegal billing practice and I should have been notified. I also filed bankruptcy in XX/XX/2018 which was discharged and could have included this account. However it was not on my credit report at the time. I am told by the company nothing can be done. This is very unethical and unfair.
09/22/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 60108	Web
The company offers a buyout option which I attempted to utilized. I contacted the support hotline to attempt to exercise this option, but the company purposely delayed the response in order to charge me almost 4 times what I paid for this merchandise. I've already made payments on this merchandise which is 2x what I paid. This company is using fraudulent practices to defraud consumers. The company has been retrying the payment over and over which has caused me more than {$350.00} in overdraft fees.
12/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93703	Web
Being charged for account lease by XXXX, For furniture that I had purchased and paid for in full same day and prior to original lease witch should have and was supposed to be canceled by store merchant manager due to not being properly trained and having little knowledge in regards to his ( job/position ). Witch led to multiple errors, false information, and countless times schedule to pick up merchandise ordered that I paid for and never received due to being very unprofessional and unorganized.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21075	Web
XXXX {$520.00} ( XXXX ) / XXXX ( XXXX ) $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ ( XXXX ) XXXX XXXX {$0.00} XX/XX/XXXX ) XXXX XXXX {$210.00} XXXX ) XXXX XX/XX/XXXX {$230.00} ( XXXX ) XX/XX/XXXX {$260.00} ( XXXX ) XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$110.00} XXXX I have sent letters to credit bureaus and XXXX the debtor asking to send me copies of everything they had on file to me and that has not been completed. The response i received was blank white paper with black spots, no picture!
07/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28546	Web
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
10/07/2021	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	CA 95661	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
07/21/2023	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 Was not notified of investigation status or results	VA 23666	Web
I have been disputing this account for over a year and there has been no resolution this company has been reporting on my account as a charge off and per IRS definition of charge off is income and because this company filed this account as a charge off a 1099c was suppose to be sent out to me and that is a violation of the FRCA .please remove this account from my report. During dispute this account is still reporting on my credit and FRCA states when a account is in dispute it must be removed.
03/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77642	Web
ACIMA DIGITAL FKA SIMPLE PUT THIS ON MY CREDIT REPORT I DID NOT OWE THIS COMPANY ANYTHING BECAUSE I DIDNT KNOW ANYTHING ABOUT A DEBT OR BILL THEY HAVE MY NAME WITH XXXX SPELLED 25 DIFFERENT WAYS WITH WRONG ADDRESS I NEVER RECIEVED A BILL OR ANYTHING WITH MY NAME OR SIGNATURE ON IT OR A CONTRACT. THEY SAY THE CREDIT LIMIT WAS XXXX BUT THE WROTE OFF XXXX BUT A PAST DUE XXXX THIS WAS IN XX/XX/2018 ACCT XXXX AMOUNT XXXX THIS IS WHY I HAVE FRAUDULENT PUT ON MY CREDIT REPORT BECAUSE STUFF LIKE THIS.
02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91201	Web
Acima Digital Fka Simp is falsely reporting a Auto loan on my profile. this not accurate and a result of identity theft. i do not recognize this account. i ask the company to provide the original Contract with a Verified wet signature and any proof they have that this is my Auto account. as per federal laws if any information is reporting falsely on my credit report they must remove it. this is affecting my finically negatively and i would like it removed immediately or i will Sue for damages.
04/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32714	Web
this Company is reporting a high lease payment that is inaccurrate. the balance is wrong. it shows 4 charge offs.FCRA states a charge off can not report to a credit bureau if its closed. it is also reporting late payments. the payment history is incorrect. the credit limit is not right. this account has been disputed many times. creditor always says it is verified or accurrate. they never provide proof of any contracts or signatures. I hope you all can help me resolve this matter. Thank you.
04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 480XX	Web
On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX to back up my claim. Acima was NO help at all!
04/01/2020	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	GA 30907	Web	Older American
I went into a furniture store to purchase a dinning room table set and took the 90 days same as cash option to pay for the item however on the day I was to pay it off I forgot to make that last payment and then the big interest started and with every payment they charge me tax which I paid tax when I purchased the item. My complaint how are they able to get away with the amount of interest they charge and why do they add tax to every payment??? The name of the company I am referring to ACIMA.
06/26/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48239	Web	Older American
I received a email from Acima and XXXX XXXX, saying I was late on my payments come to fine out someone had open accounts in my name used my old address at XXXX XXXX XXXX XXXX XXXX GA XXXX They leased some furniture from a place called XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I also call the XXXX XXXX police file number XXXX. No one is doing anything but in the mean time I am getting collection notice neg on my credit. Please help I don't know what else to do. Thanks, XXXX XXXX XXXX XXXX
09/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Evaluate this reporting by making a revision of the information provided, The XXXX Credit Bureau is reporting current status to be Bad debt/Collection Please re-investigate this account and change the status to Paid or simply " Remove '' the account. The Bureau statuses are damaging to my report, which would not be happening if they investigated properly before posting derogatory information.
11/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 453XX	Web
I submitted a verification of debt letter to the company, along with a copy of my driver 's license and they responded with a letter stating that my dispute was " frivolous or irrelevant '' and that I " did not provide sufficient information to investigate '' even though it included the first five digits of the account that is in question, my contact information, along with my signature for them to provide information. I have included a copy of my dispute letter as well as their response.
06/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75460	Web
I had gotten a loan to get beds from a store. Was told and set dates for payments the XXXX of each month. Suddenly was charged and got a bounced charge from bank. On the phone with their collections was told some XXXX dollar payment was put through and would be again today. I stated this is not authorized and I was told 1 month not 2 week on payments now leaving me XXXX in the bank currently. XXXX will not work with me and pushing for a payment now even tho that's not what I agreed upon
05/06/2021	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 Investigation took more than 30 days	NC 27104	Web
I have received a copy of my credit report and it shows company ACIMA CREDIT XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
I sent a letter back in early XXXX to Acima requesting that they do not furnish any of my information to the Credit Reporting Agencies. They ignored this request and furnished the information anyways. 15 USC 1681 2 ( a ) ( i ) clearly states that any transaction or experience between the consumer and person making the report is to be excluded. This means that they are not to furnish my credit limit, payment history, or remarks. This is the Law and they have clearly violated it.
07/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 80011	Web
Acima Leasing Company is similar to XXXX XXXX. They charge a voluminous amount over the value of the items purchased. In XX/XX/2022 I signed a lease agreement with terms of 90 days same as cash for less than {$1000.00}. I couldn't pay it off in time. Then I had to carry the terms of XXXX or so every two weeks with an option to take 25 % off to pay in full every month or so. I am at the end of the term and still have a balance. I have paid them over {$2400.00} since XX/XX/2022.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80015	Web
My identity was stolen and a fraudulent account was opened with a company named Acima. I told XXXX that the account was fraudulent and I had zero knowledge of it. I want it removed from my credit report. They have not removed it after I have submitted two disputes regarding it. I have called the company ( Acima ) as well regarding this fraudulent account to tell them its not mine and that its due to identify theft. They have not been helpful either in resolving this either.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33993	Web
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39194	Web	Servicemember
Acima credit has placed an account on my credit report that is not mine it is from a furniture company the furniture was delivered to an address that is not mine nor have I ever lived there I had previously had an account with Acima that I paid in full this address is now on my credit report since this happen I have asked for it to be removed and also the collection and late payments.aAnd when I notified Acima for info on the store I was told it was gone out of business.
09/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA XXXXX	Web
XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. Thank you. XXXX XXXX
01/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32765	Web	Servicemember
I purchased merchandise through this company. My contract specifically states that i will not be charged until ALL parts and merchandise have been received. Which they have not. I have explained in detail that ibhave not received everything therefore legally they cant charge me until it is received. Acima credit states the store did deliver everything and they did not. I have attempted multiple times to contact the store to no avail. Therefore im not paying anything.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 297XX	Web
acima credit fka XXXX, account number : XXXX XXXX XXXX XXXX XXXX, XXXX, UTAH XXXX this company have allowed someone to open an account in my name under identity theft circumstances i have fought this company for over two years trying to have this remove from the the three major credit bureaus, after sending each major bureau notarized copies of police reports showing i was a victim of identity theft, only XXXX, and XXXX, removed Acima credit fka XXXX from my report
03/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NY 10037	Web
On the XX/XX/2022 i received an alert from my credit report on my XXXX app i notice a new inquiry was added to my report ( Acima Digital FKA ACCOUNT # XXXX ACCOUNT TYPE/ LEASE DATE OPENED XX/XX/2022 STATUS OPEN STATUS UPDATE XX/XX/2022 BALANCE {$2600.00} BALANCE UPDATE XX/XX/2022 RECENT PAYMENT $ 0 MONTHLY PAYMENT {$220.00} ORIGINAL BALANCE {$2600.00} HIGHEST BALANCE {$0.00} TERM 12 MONTH COMPANY ADDRESSXXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX UT XXXX ( XXXX ) XXXX
08/20/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	UT 84078	Web
Acima Credit trying to debit my checking account every week. I agreed on once a month. Plus as i understand i was getting XXXX XXXX credit card. Acima keep 's saying iam leasing, when i supposed to be Buying. So i am just going mail in Money order, and i understand if i pay my account infull by end of XX/XX/2019 iam not charge interest. But this company and XXXX XXXX is ripping me and customers off, how do you lease Tire 's? What bring back after tires go Bald?
04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33161	Web
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
12/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85747	Web
I've applied multiple times for a lease with Acima credit. I continue to get declined because they can not verify my identity. I've called multiple times and have offered to submit proof of my identity. Their resolution is for me to continue to apply. Additionally, I was told to contact the credit bureaus when Acima is the one making the decision to decline my application. Why would I continue to apply when I they continue to decline me for the same reason.
10/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33186	Web
This is my second complaint to XXXX, I was a victim of identity theft and theres a company named : ACIMA DIGITAL FKA SIMPLE reporting a charged off closed account under my name that was due to IdentityTheft, They asked me for a Police Report which i sent the same day and been more than XXXX weeks and still no answers from XXXX, Bellow i will attach the police report how they asked in the last complaint which shows them as the affected just like they asked
01/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77388	Web
I opened an account with XXXX in XX/XX/XXXX. After the final payment in which I paid. When I pulled by XXXX credit report on XX/XX/XXXX I was a balance of {$320.00}. I wrote a letter to XXXX asking them to provide me with " Validation '' on this balance along with when I became delinquent. I never received a response, so I sent them a second request via certified mail again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX I've never received a response.
06/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77067	Web
On XX/XX/2021 I requested debt validation for an " alleged debt '' from ACIMA CREDIT. I allowed 30 days for the company to respond and received NO documentation. ACIMA CREDIT violated 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this deceptive information on my credit reports. I have sent the debt collector a Cease and desist and have demanded they remove this invalidated information from my credit reports and their systems.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92071	Web	Servicemember
I initiated a credit dispute with Acima XXXX XXXX creditor regarding an account on my credit report. Both accounts have a XXXX balance however, it is showing missed payments that are inaccurate. I reached out to the creditors to have the late payments rectified but unfortunately, my request was denied. The creditor has not taken the necessary steps to remove the late payments and provided a vague explanation to why the late payments can't be removed
12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32606	Web	Servicemember
To whom it may concern, I made an uninformed decision when I entered this consumer credit transaction. There was no evidence of indebtedness, the only evidence of indebtedness was the agreement but that agreement is null and void. It is null and void because I made a uniformed decision meaning that I did not understand its meaning and it was not clear and conspicuous. Reporting charge-offs on my credit report every month is defaming my character.
10/12/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19143	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19128	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
02/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90650	Web
I submitted my form of payment was previously told it was accepted it, I certified mailed it and now come XX/XX/21 received a call from Acima and that they do not accept that form of payment they are in malfeasance of office that is a felony crime. I have asked them to mail me my form of payment back and stated that they have dispose of it, how have they so quickly disposed of it, when we were still discussing the form. Not even five minutes later.
06/30/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 70517	Web	Older American
I purchased furniture at XXXX XXXX, XXXX, La. The transactions associated with this creditor were in my opinion, unprofessional, demanding, humiliating. My credit report is shot due to COVI., and unable to continue XXXX XXXX XXXX XXXX. I need to move out of my home and downsize due to my health. I can not do it due to my credit report. I am without a car due to my credit report. Hope to get this resolved ASAP. Thank You. See attached documents.
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45459	Web
I am a victim of identity theft, I have tried to reach out to the creditors and get this situation rectified. These accounts below are fraudulent and unauthorized. US BKPT CT OH XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX ACIMA CREDIT XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
04/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33161	Web
Acima is stating that on XX/XX/XXXX is when I agreed to electronically entered into the rental agreement but in the copy of the lease agreement it states that it began XX/XX/XXXX, but on my credit report its stating that this account was opened on XX/XX/XXXX these dates are all inaccurate and I request for this account to be removed from my credit report due to inaccuracy because I have the right to dispute any inaccuracies in my credit report.
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60411	Web
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
12/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33801	Web
On this date XX/XX/2019 company opened a collection. Account # XXXX {$2700.00} That I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
11/11/2021	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	TX 77450	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28546	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
03/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 212XX	Web
THIS ACIMA ACCOUNT WAS FRAUD. I NEVER OPEN THE ACCOUNT, THE ACCOUNT WAS OPEN ON XX/XX/22 I RECEIVED AN EMAIL ON XX/XX/22. I CALLED RIGHT AWAY INFORMING ACIMA THE ACCOUNT WAS FRAUD AND I NEVER OPENED THE ACCOUNT. THE ACCOUNT WAS OPENED ONLINE AND FINANCED THROUGH ACIMA IN MY MAIDEN NAME XXXX XXXX. I HAVE FILED A POLICE REPORT WITH XXXX XXXX POLICE DEPARTMENT MY REPORT NUMBER IS XXXX. THE COMPANY STATED I ALSO NEEDED TO FILE A REPORT WITH CFPB.
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30281	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
01/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78046	Web
On XX/XX/2020 the payment tried to go through and did not, I contacted the company XX/XX/2020and now Im being told i have 48 hours to pay XXXX in late fees or if not I'm stuck payment over XXXX more for the next 9 months, or i return the items purchased. i feel like they can do away with those charges since I just paid off the amount that did not go through. I tried speaking to 3 different people and everyone said no. Company is acima credit
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11417	Web
On XX/XX/2020, someone used my identity to open an account with Acima Credit. I never opened this account or may knowledge of this account. I have a identity theft alert on my XXXX credit report, so I don't how this could have been opened without my knowledge. I contacted the company and they refuse to remove this from my credit report. I have sent them a copy of the police report and they still refuse to acknowledge this is not my account.
12/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60620	Web
I have been a loyal customer of ACIMA DIGITAL FKA SIMP for over 2 years now and I have consistently valued the excellent service and benefits provided by the company. However, I was disheartened to discover an error on my credit report. It came as a shock to see a late payment reflected/collection, which must be a mistake. As evidenced by my long-standing history of punctual payments, I have maintained a flawless record of paying on time.
06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web	Servicemember
ACIMA CREDIT FKA XXXX has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with ACIMA CREDIT FKA XXXX. Unfortunately, the problem remains unresolved.
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 109XX	Web
I sent a letter to XXXX Credit Bureau on XX/XX/2022 to removeACIMA CREDIT FKA SIMPL XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,
06/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KS 662XX	Web
Violates truth in lending by not properly disclosing fees occurred. Charging {$25.00} ( nsf ) fees they call late fees per week although they don't give any other payment options. Every week without a detailed statement I see my balance go up along with the confusing and deceitful tax transactions. To sum it up acima should have more clarity into it's practices and this I'm recommending a probe into their lending practices as well...
10/27/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45011	Web
Acima credit XXXX XXXX on XX/XX/XXXX reported {$1600.00} balance on my credit report, dispute was filed yr XXXX on XX/XX/XXXX updates balance {$1500.00} and pass due amount {$1100.00} - Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33511	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33634	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/08/2023	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	FL 33032	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/01/2023	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	FL 33624	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
05/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MO 630XX	Web
I had to get financing for my brother 's car to get the brakes fixed. Well two weeks later the brakes went out again. I took the car to a different auto shop and got them fixed for {$400.00} instead of the amount of the loan which was way more. A year later the car was stolen and was found burnt. I refuse to pay for a car that was stolen and the repair work that was faulty. I feel that I was over charged by the original repair shop.
04/20/2023	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 Investigation took more than 30 days	AZ 85041	Web
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. I do not recognize how the account is reporting on my credit report. I don't recognize the account number, account status, or the account 's high balance. Nor, do I recognize the late payments associated with the following : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Amount {$1300.00}
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76112	Web
Acima digital FKA account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. Thank you
09/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77375	Web
XX/XX/2020 with the response and sent back they made a bunch of Lies it's the true they harassed me making threat calls what all you said in that respond with notebook telling stories and I'm asking for this to get disputed off my credit report you ain't never tried to work with me help me on this year show me proof send Consumer Finance through what you told in that statement you don't send the pru it's all a bunch of Lies
01/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43231	Web
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY ACIMA CREDIT FKA # XXXX the dates were XXXX. My income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web
An account with Acima is reporting on my XXXX credit report as a closed account but the debt is not my debt. I have written Acima XXXX times and they are not able to locate the account and advise me they need more information to validate the account. I have provided Acima with the information I pulled directly from my XXXX credit report and is not obligated to provide further information to help them validate this account.
07/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30052	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : ACIMA XXXX FKA SIMP Account Number:XXXX
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 108XX	Web
I do not agree with the company furnishing negative information to XXXX. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. XXXX nor any other consumer reporting agency has my written permission to furnish any information without my written permission.
11/01/2021	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	FL 34953	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
04/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31313	Web
In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACIMA DIGITAL FKA SIMPLE XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
11/09/2021	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	CA 93311	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
11/08/2021	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	FL 33809	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX XXXX Balance {$3500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30060	Web	Servicemember
Acima has placed a collection on my credit which they have charged off. I never went through this company to receive any loan or whatever it was used for. This is a fraudulent charge that was accumulated sometime in the early part of XXXX. I have tried to dispute this account twice with no changes so Im going as far as I can to have this removed. My XXXX account was flagged in XXXX for fraud due to this account.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 112XX	Web
I am a real person, i am a living being, i have rights under 15 USC 1681. Acima is govern by 15 USC 1681 and they violated my rights numerous times. i demand the account listed below be removed because According to 15 USC 1681 : i have the right to privacy and i did not give Acima written permission to furnish these account Acima Digital charge off illegal and adverse reporting on my XXXX report Account # XXXX
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46131	Web
This company has reported on my consumer report that I did not pay them. I filed a police report because I did not receive the product ( tires ) that was initially financed. I sent them the police report and they still have yet to remove this account from my consumer report. I feel like I am being taken advantage of because I did not benefit from this transaction. I never received any product from this company
08/19/2020	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	SC 29229	Web
I have a loan with XXXX, ACIMA CREDIT XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43110	Web
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. -ACIMA CREDIT XXXXXXXX XXXX XXXX XXXX
10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	NY 109XX	Web
My name is [ XXXX XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
08/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28546	Web
This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
08/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77086	Web	Older American
I Purchased Furniture from XXXX XXXX XXXX XXXX, Financed thru ACIMA, Credit, and Statement had different Name for Furniture Store Purchased XX/XX/XXXX. LAST payment was XX/XX/XXXX, and Cleared thru my Bank XX/XX/XXXX, I Requested A Paid in Full Reciept, By Mail and Email, Today is XX/XX/XXXX, and I have not Received my PAID IN FULL, EVEN though I had to Pay Taxes on Every Installment payment, for my Account
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33810	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A creditor may not treat a payment on a credit card and reopens the consumer credit plan as labor for any purpose
10/22/2021	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	PA 19135	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA SIMPL-. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11207	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 2. Identity Theft XXXX Account XXXX : XXXX This is not mine. XXXX. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76112	Web
I was a victim of identity theft and which someone got an account under my name with Acima. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.
10/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07522	Web
I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. Account : # XXXX I was also a victim of another XXXX XXXX XXXX XXXX they helped me and solved the problem because they investigated and came to the conclusion that I was a victim of fraud.
06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 86004	Web	Servicemember
When Covid-19 started my account was current. I tried numerous times to work with Acima Credit, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to XXXX. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30014	Web
Someone used my identity in XXXX on XX/XX/2019 to open a leasing account with ACIMA credit. This fraudulent account is now reporting on my credit report as a collection account in the amount of {$3400.00}. I called ACIMA credit about this account and let them know it was not my account. They told me to submit a police report to XXXX. I have not received a response or correction to my credit reports.
06/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28105	Web
There is an amount of {$2700.00} being reported on my account from ACIMA CREDIT XXXX XXXX from XX/XX/2019. I have no knowledge of this being mine nor had knowledge it was being reported on my credit report negatively. I have not gotten enough permissible data from the company of my written agreement or consent that I initiated this debt. And this violates my right with the Fair Credit Reporting Act.
11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22312	Web
I recently got a copy of my XXXX report and noticed and unfamiliar account with a bank I've never used. Acima Digital is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.
06/21/2022	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 Was not notified of investigation status or results	TX 75501	Web
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. ACIMA XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34606	Web	Servicemember
15 U>S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please deleted this item IMMEDIATLY!
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90221	Web	Servicemember
Acima Credit FKA Simpl - XXXX - balance owe {$1500.00} this debt is not mines. I have contact XXXX and they telling me they will not reinvestigate. I definitely paid this debt, off in XXXX months in cash to the place of business. I move around and this happen so many years ago I no longer have receipt but I clearly paid it in 90 days to avoid paying XXXX. Please remove from my report. Thank You.
10/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 341XX	Web
I have called acima numerous time to payoff the balance on my current lease, but they keep giving me excuses and want me to pay an Early Purchase Amount : {$430.00} + tax olin order to pay off the account, when hen I have already paid {$530.00}. My total purchase was for {$440.00}. This type of company should be out of business, they rip off customers.Please help me to resolve this matter. This
06/11/2023	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 Investigation took more than 30 days	NY 10466	Web
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment, they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report soon as possible
02/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20852	Web
Ive been a victim of identity theft, someone used my credit to obtain credit cards and Loans that Ive never apply, fraud accounts I have a police report and a federal trade commission report Acima digital FKA simple XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XX/XX/XXXX {$820.00} XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$630.00}
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19130	Web
I am a victim of identity theft and did not make these charges. I ask that you delete this information listed in the FTC report. I've reported the theft of my identity to the Federal Trade Commission and enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove this information immediately to correct my credit report. Thank you for your time andconsideration.
07/13/2022	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	TX 77005	Web
I contacted XXXX about errors on my XXXX credit report, mainly failure to provide a notice of dispute. Furthermore, they failed to offer an explanation for the issues that were factually-disputed. Instead, they replied that they would not re-investigate. However, failure to provide notice of dispute, which is a violation according to the Fair Credit Reporting Act. XXXX failed to comply.
04/11/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	MO 630XX	Web
I had to have repair work done with XXXX XXXX. I didn't have the full money for all the repairs. I was able to get financing through Acima Credit. I was approved but nothing was fully explained to me with the paperwork. I didn't know I was signing over rights and other remedies. The car is in my brother 's name and they're threatening to take the car when its still owned by XXXX XXXX.
04/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 50613	Web
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACIMA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
02/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92139	Web
I attempted to contact the company in XXXX with no resolution. I sent identity theft reports to all XXXX credit bureaus. Police report remains on file with the XXXX XXXX XXXX XXXX. I have attempted to over & over to resolve this account which does not belong to me! I am the victim of identity theft & this account with ACIMA CREDIT need to be removed from my credit file immediately.
02/23/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	GA 30253	Web
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019.
02/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with XXXX. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 721XX	Web
So they contacted me a few months back about settlement of the debt. I paid as agreed unelder the impression that would do their part and remove this from my credit. They did say paid as settled on my report but it still shows as negative. This really needs to be removed due to the inaccuracies of reporting. This has impacted my credit tremendously and needs to be removed asap!
08/10/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AL 350XX	Web
an account was opened in my name in XXXX at a XXXX XXXX XXXX This is not me I have never opened an account at this company. I was made aware of the situation when I bought my new car. XXXX reported it on the credit report I have reached out to XXXX and also the company that reported it as not paid and turned over to collections. The company in question is ACIMA DIGITAL XXXX.
04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92571	Web
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
11/08/2021	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	TN 38125	Web
On XX/XX/XXXX I sent a letter to XXXX to ask that they verify a collection on my credit report that I am not familiar with. The account was with ACIMA Credit FKA XXXX .... XXXX said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing XXXX another letter and also a letter to ACIMA to verify and validate this debt
05/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76112	Web
Acima is refusing to follow consumer laws as reported in my last complaints. They are saying the laws don't comply to them because they are not creditors or give out any credit but their company name has the word credit in it. It's on the emails and web page " Acima Credit '' which is misleading if they say that they are not a credit company. Can someone please explain this?
10/06/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76123	Web
Failure to follow the following 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S code 1681i ( 5 ) violation of permissable purposes I did not give written consent to report this type of account to my credit report 15 u.s 1692 communication in connection with debt collections
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27526	Web
in accordance with the fair credit reporting act 15USC 1681 Section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions 15USC 1666B a creditor may not teat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
This is a Affidavit of fact is Pursuant to 15 USC 1692 ( g ) on XXXX XXXX a Debt validation letter of request was sent to Acima Credit FKA XXXX as of today XX/XX/21 Acima has not responed after speaking to me it has been over 30 days and Acima has not ceased and their action to collect on a debt not owed. As i have requested validation and Acima has still not provided.
08/03/2023	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	NC 27406	Web
I've been disputing XXXX over the past couple of years due to inaccuracies on my credit report. This account has been removed from my XXXX and XXXX credit report but it is still showing on XXXX. This is a violation of 15 USC 1681eb because this is inaccurately reporting on my credit now. I have attached my dispute letter from XX/XX/23 and I demand removal immediately.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30542	Web
On XXXX XXXX I was a victim of identity theft, an account was opened with Acima Digital XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( Akima ) is noncompliance.
12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39212	Web
Per federal my syates laws, you must affirm and confirm any and all allegations of claims yet still unproven which all three credit bureaus havent been able to do.I requested for them to provide me with all of the4 information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ) and requested that they delete the negative item as original requested.
08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01841	Web
In my XXXX credit report shows that there is a lease from ( cima credit XXXX ). For a quantity of {$8300.00}. Loan that I didnt know anything until I receive my credit report last month. Reason of why I believe that my identity was stolen and used for that. Thought I already talk to the company about it and all they said was that I had to make a police report first.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11207	Web
XXXX XXXX XXXX. Falsely stated that I entered an agreement via online purchase which is not possible because the retailer XXXX XXXX XXXX XXXX has never had nor do they have a website. Therefore it is impossible an e- sign agreement to exist in the absence of a website. I request immediate removal of this bogus account. The documents attached are completely made up.
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I have these accounts that are not mine and i want them to be removed. 1. Identity Theft ACIMA CREDIT FKA SIMPL Account Number : XXXX This is not mine. 2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4.Identity Theft XXXX Account Number : XXXX This is not mine.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 328XX	Web
An account was opened in XXXX of XXXX and it was certainly not opened by me. I just discovered the information on my credit report and I called XXXX and ACIMA DIGITAL XXXX XXXX XXXX about it. I was told that I needed to file this report with the FTC before any action can be taken. So please assist in keeping this fraud from impacting my credit further. Thank you
02/17/2022	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	CA 920XX	Web
The Financing company ( Acima Credit ) Allowed someone to pickup an order in my name and against my credit. I have filled a police report, as well as attempted hundred of methods of contact with this company, with no reply. My email is tracked, so i know they have opened and read my emails. I am trying to work with them, however they are refusing to work for me.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91913	Web
The original lender ACIMA DIGITAL FKA SIMP is reporting the account past due as XX/XX/XXXX which is inaccurate. The account was late and charged off in XX/XX/XXXX. This is not accurate and predatory to keep the item on my credit longer that the statutory 7year 6 month period for negative debt. This does the greatest amount to my credit report and credit rating.
02/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 201XX	Web
I have requested on several occasion verification of this debt and no response from the creditor. I have sent numerous debt validation/verification request to this company regarding the debt, but never receive a response back and it's been over 6 months there for I am requesting the removal of this debt PER the FCRA and FDCPA they are in violation OF THESE LAWS
10/29/2020	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	LA XXXXX	Web
I have a loan with ACIMA CREDIT XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ACIMA CREDIT XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
08/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 810XX	Web
On XXXX XX/XX/2021, I was made aware that I owed XXXX XXXX {$1000.00}. I contacted XXXX XXXX corporate office to settle my debt. I spoke with a representative XXXX XXXX and he stated that if I paid {$800.00} it would settle my debt with XXXX XXXX. The {$800.00} was paid and a letter was emailed with the account number to me stating that the bill was paid.
03/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 11213	Web
I had gotten sick from XXXX which lead to me being out of work, i missed a payment with this company one time after several other positive encounters and payment history. I wasnt aware of the missed payments because I was sick and incapacitated to the point where I couldnt see for myself and it is being held against me although the account is paid in full.
02/17/2022	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	MO XXXXX	Web
This is XXXX XXXX XXXX The ACIMA CREDIT FKA SIMPL account with the account number XXXX was marked as Charge-off with an identified balance of {$2200.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
03/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48224	Web
It was not made aware to me that the original amount changed in half a XXXX and {$15.00} was written off and the amount that was left was {$1700.00} and I made a payment that went to the original amount of {$4000.00} and they are trying to have me pay the whole amount instead of the {$1700.00} to remove this from my credit report and delete the account.
05/13/2023	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	NV XXXXX	Web
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded adequately or provided sufficient validation. I kindly request your assistance in addressing this matter. I am prepared to pursue legal action to resolve this issue.
11/17/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46218	Web
THIS ACCOUNT STATES IT WAS OPENED XX/XX/2019 I'M A TRUCK DRIVER AND WAS WORKIN ON THIS DATE. I NEVER SIGNED AN AGREEMENT OR GAVE THIS COMPANY CONSENT TO OPEN AN ACCOUNT IN MY NAME. THEY LET MY EX GIRLFRIEND FILL OUT PAPERWORK AND OPEN AN ACCOUNT USING MY INFO. IM SICK OF CALL AND DAMAGING FACTORS BEING REPORTED ON MY CREDIT. THIS COMPANY IS FRADUALENT
02/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
This company claims I owe them an outstanding debt in the amount of {$3900.00} when I have never heard of them. They claim it was for some kind of lease and its on my credit report. I tried to dispute the information but they refuse to remove information from my credit report eventhough they have the wrong person? Either that or this comany is a scam?
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
While reviewing my XXXX credit report, I noticed two installment loan accounts that did not belong to me from Acima Digital FKA Simple Acct # 's XXXX for {$5000.00} opened XX/XX/XXXX and XXXX for {$4700.00} opened XX/XX/XXXX. I have never conducted business with this company and never provided my personal information. I am a victim of identity theft
09/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77375	Web
They say on XX/XX/2020 I did not go in no XXXX and get no furniture I'm found this at identity theft with the Federal Trade Commission we need to come to agreement you need to send me a contract show with my proof and signature you got to make sure you got all the information that you were saying with XXXX furniture cuz I do not have no furniture
08/07/2020	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	MD 21222	Web
I have a loan with XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10469	Web
Someone used my identity to purchase vehicle rims. I only found out about the occurrence after it hit my credit report. I called the company and they informed me that a black male was the one who did the transaction. I did not even own a vehicle at the time of the transaction. Please help me get this removed from my report because it WAS NOT me.
10/16/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	NY 14304	Web
My Identity was stolen! I got a police report I noticed a company named Acima was on my credit report twice! Once for the amount of XXXX and another for XXXX this is Fraud not my charges!!! We have been going back and forward for months I'm preparing for court this it not right and this company needs to be held responsible for there actions!!!
11/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web
ACIMA erroneously turned over a line of credit debt ( previously paid off ) to a collection agency. The collection agency is now trying to collect a balance that doesnt exist. The loan was paid off on XX/XX/. ACIMA offers 90 days same as cash terms. However, they are not honoring the contract agreement. Theyre guilty of bait and switch.
11/05/2021	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 Was not notified of investigation status or results	PA 19124	Web
I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
09/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92115	Web
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/23/2022	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	MI 48340	Web
The ACIMA appears to be a charge-off account with a specific balance of {$5700.00}. The information itself is already an error because a charge-off account should have NO balance. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
08/08/2020	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 30016	Web
I have a loan with XXXX XXXX, XXXX CREDIT FKA XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ACIMA CREDIT FKA SIMPL, and XXXX with no successful resolution. There was definitely an error on their part.
03/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93311	Web
The company XXXX XXXX XXXX XXXX is reporting me for a debt of {$2900.00} that I owe them. I have never bought anything with them. someone is doing it with my information, so I request that an investigation process be opened. The company has not taken basic measures to prevent this fraud. such as photo identification and verification.
05/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	NY 10462	Web
Someone open an account in my name fraudulently. I called the company they can provide no account that exists in my name but they keep telling the credit bureaus that the info is correct. I gave them the account listed on my credit report and still unable to locate any info that says I have an account. This is completely fraudulent.
03/09/2023	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 30315	Web
I have submitted multiple disputes with XXXX to remove acima from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with Acima and the manager stated nope from XXXX has requested and information from them.
06/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33462	Web
Someone made an account under my name with acima credit XXXX XXXX XXXX in XXXX, and has a total lease balance of XXXX with a monthly payment of XXXX to be paid off in a 12 month term. The unpaid lease has brought my credit down, I called company to let them know that I do not recognize opening one, they told me to file a complaint.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AR 716XX	Web
In coordinates with the fair credit report act XXXX account name : Acima XXXX XXXX XXXX account number # XXXX has violated my rights 15 U.S.Cs 1681 section 602 A. States I have the right to privacy 15 U.S.Cs 1681 section 604 A. Section 2 states a consumer reporting agency can not furnish a account with out my written instructions
04/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 791XX	Web
Acima credit allowed someone to open a account in XX/XX/XXXX or XX/XX/2018 in utah.a state I do not live in.im a resident of Texas and have been.they have been given proof it wasn't me.police and identity theft report as well as proof of my residency.thwy are illegally keeping a defaulted debt on my credit report.ss # ends in XXXX
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30032	Web
XXXX failed to properly investigate account XXXX account # XXXX. Ive dispute this account multiple times. The account is showing late payments with collections. The account has been paid in full. The open date is inaccurate, the close date is inaccurate, the payment history is inaccurate. Showing delinquency after closed account.
03/10/2022	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 Was not notified of investigation status or results	TX 78542	Web
I have attempted to make contact with Acima XXXX XXXX XXXX to validate this debt they claim I owe. I haven't received any type of verification, response, etc. but Acima can verify with XXXX on XXXX XXXX, 2022 picture attached below. Why can not they reply to my validation letter that was sent XXXX XXXX, 2022? ( Picture attached )
02/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 480XX	Web
The ACIMA CREDIT FKA SIMPL account with the account number XXXX marked as Charge-off with an identified balance of {$1300.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 321XX	Web	Servicemember
I bought a mattress from XXXX XXXX XXXX in XXXX XXXX, Florida. I financed {$1100.00} with Acima Credit. I paid the balance before the 90 day deadline. I had a credit report last week that says I owe {$1600.00} to Acima. I called Acima yesterday and they said I do not owe anything. I never owed {$1600.00} to Acima. This is fraud.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77071	Web
Merchandise which I leased where taken and I submitted 2 Police reports and the account was supposed to be closed as paid in full, Now there are over 24 Months of charge of history on my XXXX Credit report that are completely inaccurate. This history and item needs to be removed as it has negatively and improperly affected me.
04/30/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85706	Web
I have disputed the account with XXXX and came back as " verified ''. Creditor is reporting a past due balance from what I read a charged off accounts are not legally allowed to have a past due balance this is violating my consumer rights. Please remove this account from my credit report immediately. This is FCRA violation.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21133	Web
15 USC 1682 Section 602 : stated I have the right to privacy. 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions. 15 USC 1666B : A Creditor May Not Treat A Payment On Credit Card Account Under An Open End Consumer Plan as Late For Purposes.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48326	Web
On XX/XX/XXXX XXXX XXXX there was an account opened in my name or inproperly reported by ACIMA XXXX FKA SIMPLE. I filed a dispute through XXXX along with Acima and both came back stating the account was correct. This is wrong. I have not had my credit ran nor have I every spoken with Acima about any type of loan or lease.
12/30/2020	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 Investigation took more than 30 days	CA 93307	Web
I have file a dispute already for ACIMA to be remove from my report.. I have never had an account with them in my life. This dispute was done in XX/XX/2020. I do not understand why it is taking so long to remove this from my report. If there was issues then I should have been contacted instead of ignore like I this has been.
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30035	Web
In accordance with the Fair Credit Reporting act ACIMA Digital FKA SIMP account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.
03/10/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98036	Web
On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.
01/28/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32773	Web
I GOT A LEASE THROUGH ACIMA CREDXXXX. THEY AGREED TO REMOVE THE ACCOUNT ONCE IT WAS PAID TO SATISFACTION. THE ACCOUNT IS STILL REPORTING 7 CHARGE OFFS. WHICH IS A VIOLATION. THIS ACCOUNT WAS SETTLED AND CLOSED. REPRESENATIVE TOLD ME THIS ACCOUNT WOULD BE REMOVED. THIS ACCOUNT IS STILL BEING REPORTED NEGATIVE ON MY REPORT.
05/08/2023	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	IL 604XX	Web
I have reached out to Acima on several occasions to have them provide a physical contract with my signature on it of 1 derogatory debt that is appearing on my credit report. They have failed to respond to my letters. By law, they must provide a physical contract with my signature on it or remove it from my credit report.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92801	Web	Older American
XXXX XXXX has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and XXXX. the amount they claim I owe is XXXX XXXX {$7500.00}
09/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07104	Web
I had problems with identity theft a few months ago, this account is being reported to my credit report they claim that it is mine but it is not the result of uses of my documents via fraud I need help to solve this problem because it affects my credit. Name company : XXXX XXXX FKA XXXX Account number : # XXXX
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90278	Web
My credit report is showing late payments to ACIMA DIGITAL FKA SIMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ACIMA DIGITAL 's customer service representative.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 341XX	Web
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 850XX	Web
The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
01/20/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	AZ 85008	Web
The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48075	Web
Ive had a installment plan with Acima and Ive paid the balance off, but they keep lasting I owe them {$530.00} when I dont and reporting every month as delinquent, yet it says the account is closed and sent to collections. Its really effecting my credit report. Ive called and sent letter and nothing has changed.
04/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95207	Web
ACIMA CREDIT XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the company said I owe them the amount of {$2000.00} dollar. They just put it on my credit report with out a notice or chance to dispute the debt. The collection has been reported as charge-Off. this company does not have contract with my signature
09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	AL 36303	Web	Servicemember
On XX/XX/2023, I applied for installments for my tires and wheels and was denied. Given the fact that the entire consumer transaction is predicated upon my unlimited credit, Title 15 USC subsection 1611 { False and misleading denial of my own credit } has been knowingly and intentionally violated in this case.
06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73132	Web	Older American
I got copies of my credit report and found a fraudulent account by Acima Digital FKA Simple. I have tried sending a debt validation letter to this company to verify this debt and was sent a letter stating my dispute was frivolous or irrelevant. I have never agreed to have any type of account with this company.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48091	Web
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
11/14/2022	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	CO 816XX	Web
Purchased furniture in XXXX XXXX South Carolina. Was reestablishing credit so was referred to this furniture place. Ordered, paid down payment. We discussed delivery. They left furniture in rain for hours. Furniture was ruined. I refused to take it. I negotiated return and closing account. Acima has refused.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93706	Web
XXXX XXXX XXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX No action was taking by neither company I despised milyiple times staying fraudulent account and address not made by me need to get this off my credit at once.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL XXXXX	Web	Servicemember
Acima breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77009	Web
In accordance with the fair credit reporting Act. XXXX Account # XXXX at Acima finance violated my rights 15 U.S.C 1681 Section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions
06/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 086XX	Web
Acima Digital FKA Simp reported to XXXX Credit Bureau that I owed XXXX. I don't owe such amount. The creditor failed to follow the Fair Credit Reporting guidelines prior to reporting this derogatory information to the credit bureau. As such, it is requested that the collection be deleted from my report.
06/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23112	Web
Ive settled this debt and could not afford to pay more due to Covid 19. I was told that if I settled the debt would be deleted. This collection account has been settled but its still showing on my credit report. Im trying to buy a new home and was advised by Acima that they would delete this tradeline.
05/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28570	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
07/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19150	Web
ACIMA CREDIT XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10452	Web
XXXX XXXX promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also ACIMA CREDIT was settled and yet the company didnt update the account as paid.
02/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28216	Web	Servicemember
I seen this company on my credit report Acima and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84047	Web	Servicemember
Acima Lenders located in Utah. Has put in my Experian account that I have a loan or a merchandise between range {$4000.00} which I Absolutely Do not Have Any Product of Thiers. I need to Buy a new car and it's affecting my credit with the lenders. XXXX XXXXXXXX XXXX XXXX Thank you for your Time
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 236XX	Web	Servicemember
In accordance with the fair credit reporting act, ACIMA DIGITAL FKA SIMP acc # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19121	Web
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73132	Web
Upon receiving copies of my credit reports I found this debt from Acima Digital FKA Simple that I did not recognize. I sent a debt validation letter and was returned a letter stating that my dispute was frivolous or irrelevant. I do not know what this debt is and do not believe it to be mine.
12/12/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CO 805XX	Web
I purchased XXXX dollars worth up automotibe parts through Acima. They ended up being defective and I was told there is a life time warranty that isnt being honored. The car is now unsafe to drive and a death trap. I dont owe anything. I've been asking for a refund and to return the parts.
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20785	Web
I previously submitted a complaint about the my account not being updated since XXXX on XX/XX/21. As of XX/XX/21 it was updated to " Paid In Full '' BUT STILL the WRONG amount. It is not hard to reflect the amount actually paid, which was " {$870.00} '' NOT the " {$1900.00} '' it reports.
02/16/2023	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	IL 60617	Web
In XX/XX/2020 I found out 1 of my credit cards had been used to add 4 authorized users. My account was closed through no fault of my own i paid balance in an attempt to keep my credit good, the credit card company reported my card as charge doff even though i paid the account in full.
09/19/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77375	Web
Acim acredit FKA they are scamming company and they keep harassing me making threats calls costly 10 to 12 times a day making threats and I'm sick of this here and need to stop and I need to take this off my credit report before I go file a identity theft they scam you into a accounts
06/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 371XX	Web
This debt was reported as a collection on my credit report. I disputed it because I have no knowledge of it. The leasing company called Acima XXXX FKA simple claims that it is legit but i did not lease anything from them. I was never notified of such debt. I want to be cleared of it.
04/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78744	Web
On XX/XX/2020XX/XX/XXXXAcima sent a settlement email. I called on XX/XX/2020 and paid said settlement for my debt to be deleted and removed from my credit. The service advocate said that would be in 30 days. It has been past 30 days and I haven't gotten anyone to fix it from Acima.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92551	Web
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30501	Web
XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
01/06/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07522	Web
for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this anima credit account is not mine, it is a fraudulent account that this company with an amount of $ {$1200.00}
03/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23224	Web
It appears that I have a debt that I am not aware of and did nit know it existed until now that is affecting me when I was about to close on a house. I need this to be removed from my credit ASAP. I need for the company to contact me and to be deleted from my credit report.
10/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 95212	Web
I received my credit report on XX/XX/2021 and noticed that there is a charge-off on my credit report from Acima Credit XXXX XXXX I've never had any business with this company. There isn't a address or a phone number to contact them I need this removed from my credit file.
02/23/2021	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	MA 015XX	Web	Servicemember
ACIMA CREDIT : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS
10/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92019	Web
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed. XXXX BALANCE { {$2400.00} } This is Fraudulent and not my debt.
08/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19149	Web
According to the IRS cancel debt ( charge off ) gross is ordinary income. Income does not get reported on your consumer report. Since income does not get reported on your consumer report a charge off is an inaccurate account and should be deleted off my credit report.
09/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web
ACIMA DIGITAL FKA SIMP continues to report an account to XXXX with a balance of {$3100.00} that doesn't not belong to me. I reached out to them by mail but received lack if response. Provided Police affadavits and dispute forms, they continue to report to the bureau.
04/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32208	Web
Acima Digital ( XXXX XXXX XXXX ) {$3200.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies
07/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33446	Web
The company charged me for items and has been billing me for items that I did no purchase or receive. This is very aggravating as I have tried discussing and they still have advised they will continue to bill me. They have charged me more than double multiple times.
02/27/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	FL 33417	Web
XXXX, is a company that The finances good theres a negative account on my credit report that I dont believe is mine Ive done business with this company before and I have paid everything in full and I have a negative account on my credit report from the same company
07/05/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 32835	Web
During the month of XX/XX/2022 Acima violated many of my consumer rights. Acima called my cell phone mercilessly in an attempt to collect an alleged debt. I received an email on XX/XX/2022 that displayed threats and profonde language causing me XXXX and stress.
12/30/2021	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 Investigation took more than 30 days	GA 30236	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
11/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07522	Web
I have a problem with acima credit since they are reporting an account to my credit report is fraudulent since someone stole my information and opened that account already with this is the 3rd claim and they asked me for a police report here I send it to them.
01/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20653	Web
My complaint is regarding Acisma credit reporting. This has been paid in a settlement for less than the amount. It was there idea. It still shows on my credit report ad a negative item. I which to have it removed. Tried speaking with them, but it still shows.
11/28/2023	Yes	Credit card Store credit card	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OH 44130	Web
I was approved for XXXX loan from Acima and due lack of delivery from XXXX I cancelled my order the next 2 days I want to uncancel my order they you can do that and both companies took me through tedious process of not responding and lost my credit at Acima.
03/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MI 48506	Web
Ive reached out to Acima on numerous occasions to change my due date to correspond to my pay day and i was constantly on told my account numbers was wrong and they couldnt change it they was over drafting my account reporting negative to the credit bureaus
01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MI 482XX	Web
Acima Credit XXXX Simple XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX phone number XXXX. Opened a fraudulent account in my name with fake address and phone number. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone number XXXX and birth year XXXX.
12/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38109	Web
XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27406	Web
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
10/17/2021	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	NJ 07522	Web
I HAD AN IDENTITY THEFT WITH MY DOCUMENTS THEY OPENED AN ACCOUNT WITH ACIMA CREDIT A COMPANY THAT IN A PERSONAL WAY I NEVER DID BUSINESS WITH THEM THEY USED AN ADDRESS IN NEW YORK CHECK MY CREDIT REPORT AND THEY HAVE INFORMATION HERE, {$1200.00} # XXXX
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60411	Web
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
02/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30252	Web
The two companies are Acima Credit and XXXX, they were removed from my credit reports and appeared back without my notice from the Credit Bureaus which is against the law according to my consumer FCRA Laws. Please have these two accounts removed ASAP!
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV XXXXX	Web
After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
03/01/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 21215	Web
Approx XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX I Attempted To Contact XXXX And Acima Credit FKA XXXX XXXX XXXX About An Account Thats Reporting Inaccurately On My Credit Report And Have Received No Real Assistance In Resolving This Matter
05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19134	Web	Servicemember
ACIMA shows I currently still have an open installment balance that I have paid off a year ago. I tried to call them so they can report and close my paid account but they refused.This is hurting my credit score it appears my account is delinquent.
10/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90049	Web
I found this loan installment on my credit report that I do not recognize of the amount of {$3400.00} from a company called Acima I contacted the company and they could not recognize me and just told me that they going to go through investegation
05/21/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Company : ACIMA XXXX XXXX XXXX Account # : XXXX
01/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32606	Web	Servicemember
I invoke my rights as a consumer. A bureau can not furnish something that they did not receive written consent from the consumer to furnish. I never gave XXXX, XXXX or XXXX written consent to furnish these accounts on my credit report.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95833	Web	Older American
account was paid off XXXX.my credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at acima ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance
01/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 77498	Web
SOMEONE HAS OBTAIN CREDIT UNDER MY NAME AND SOCIAL COMPANY NAME IS ACIMA CREDIT ACIMA CREDIT WAS OPEN IN MY NAME ON XXXX I/A/O {$10000.00} ACCOUNT # XXXX ACCOUNT TYPE-LEASE MONTHLY XXXX {$900.00} BALANCE XXXX TERM IS 12 MONTHS PHONE : XXXX
01/21/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 275XX	Web
Repeated calls multiple times a day to restart autodraft after initially told payment amount was per month and drafts for same amount came per week. Did not adhere to request to remove ach debit of account and was threatening in response.
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93552	Web
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
06/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30058	Web
i have a furniture lease with acima XXXX. this is not a credit account and i did not use my credit to obtain this lease. this is a no credit lease. i want this removed off my credit report. i sign a no credit lease not a reporting lease.
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20785	Web
My account with Acima has been paid off since XXXX of 2021, yet the have not updated the reporting since XXXX. It is now XX/XX/XXXX. It is still showing I owe XXXX dollars which I don't and my payoff amount was {$880.00} which was done.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70802	Web
The account with ACIMA Credit acct # XXXX was closed out for a settlement amount of XXXX dollars with this creditor. I was NEVER late on the account and due to settling the account, the creditor reported me late in XXXX & XXXX of 2021
12/09/2021	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 Investigation took more than 30 days	AL 365XX	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
02/26/2023	Yes	Credit card or prepaid card Store credit card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
On XXXX XXXX, 2023, I submitted a payment to settle this account in collection. It has now been 40+ days since I submitted this payment and asked them twice to update their records and my credit bureaus and nothing has been done.
07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73132	Web
I had previously made a complaint about this account and did what I could to resolve it but the company refuses. I have attached the emails as well as the police report and previous communications. previous complaint ID was XXXX
05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33161	Web
I reached out to the creditor multiple times and never received a response regarding the debt being reported by them on my credit report. The credit bureaus have validated the debt but no one is providing me the debt validation
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21239	Web
I checked my Credit and saw an account that I did not recognize! I filed a police report and I sent a copy of that and a letter to Acima, they have not removed the Fraudulent account from my credit, and boy am I upset about it!
08/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85353	Web
This is my second request for payment history and the correct amount balance that is due. With the correct statement of all fees. Please send invoice for services or goods. So i can remit payment to the appropriate principle.
05/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 917XX	Web
I took out a loan to purchase a phone. I never got the merchandise and I advised Acima of the situation, the store is no longer in business and I am still being charged. I filed a police report and here is the number XXXX.
08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 312XX	Web
THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!
06/19/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20850	Web
I filed a police and FTC report after realizing that some accounts like this one were unauthorized by me and this is damaging my credit worthiness ... I dont know who stole my information and authorized this transactions.
05/29/2023	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 Investigation took more than 30 days	MN 55443	Web
Back in XX/XX/2021 a furniture company XXXX XXXX XXXX lied that I took furniture from them. Which they can not prove. Ive asked the lender several times to provide the POD they have refused. The lender is called Acima
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46324	Web
I have filed dispute with XXXX and had no success I contacted the collector! ACIMA LLC and requested a proof of ownership with a original contract and they failed to mail me any original documents with my signature
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
This company have an account listed on my credit report as closed with a negative impact. I have reached out to the multiple times asking to prove that I have a contract with them. I haven't received any responses.
07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89101	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
04/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI XXXXX	Web	Servicemember
ACIMA DIGITAL FKA SIMPLE is reporting on my XXXX and XXXX credit file an account that I have no knowledge. The first time I had knowledge of this account is when it came up as a debt collection on my credit report.
04/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 750XX	Web	Servicemember
Double charging their customers, mental and physical abusing their customers. This is unethical to be treated like this. I have tried to explain my situation over and over again, and they do not care. Please help.
08/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70816	Web
I was effected by COVID-19 & I explained that to them & they say that theyll work with me & they reported me60 days late & I was effected by COVID-19 & they told me that they would work with me under the cares act
11/13/2019	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 Investigation took more than 30 days	PA 17109	Web
Acima continues to furnish information on credit file. Company fail to comply to FCRA Guidelines. Account paid, company stated entire tradeline will be remove once satisfied. Company continues furnish information.
08/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11231	Web
Acima digital was paid in full and settled, they provided a letter of settlement but yet still have not reported transaction to experian, and negative comments incorrect balance owed remains on my credit profile.
11/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	RI 02860	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 752XX	Web	Servicemember
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
04/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19087	Web
Someone used my identity and a fake email address to approve a credit line for {$3000.00} with ACIMA Bank which was used to purchase jewelry. The credit card company ACIMA requested that I submit a report.
07/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85009	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48075	Web
I was looking over my credit report and noticed an account with acima digital acc # XXXX that doesn't belong to me. it is now being reported as closed and im owing hindering my ability to obtain credit
07/11/2020	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 Investigation took more than 30 days	FL 33614	Web
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. XXXX XXXX XXXX {$740.00} ACIMA CREDIT FKA XXXX {$2000.00}
09/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77375	Web
Lack of communication with this company and they harassed me threatening me with phone calls all the time and I was out of my job and have XXXX and I'm asking him to dispute this off my credit report
03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34744	Web
Dear CFPB Staff, XXXX has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : ACIMA CREDIT FKA XXXX. XXXX has refused to address this twice so far.
12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93722	Web
Anima account paid off in XX/XX/2021. XXXX, XXXX, XXXX all is required by law to update my balance information according to the Credit Bureau Law Act. I have not seen an update since XXXX of 2021.
04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 312XX	Web
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37013	Web
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. ACIMA XXXX XXXX XXXX, balance is {$1300.00} and account # XXXX
06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
Acima This debt have been written or charged off I have requested a 1099c from each company To cancel debt by law I have written each company numerous of times my letters have gone unanswered
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 761XX	Web
This account is reporting on my credit report as a collection, and I did not open this account. This is clearly a result of identity thief and this need to be removed off my credit report.
03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NY 11434	Web
I do n't know about this account I did contact this company already and they said they were going to remove it from my credit report but now they 're contacting me about this account again
09/24/2020	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	MA 02301	Web
Only XXXX is reporting this account as charge-off. This is unfair. Also XXXX is reporting charge-off yet it has a balance. This is inaccurate. I would like this removed from my reports.
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 473XX	Web
I have ask numerous times for verification of the debt and to have the inaccurate information removed. No one responses or corrects. This is hindering and damaging to my credit profile
01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08817	Web
Ancima credit fka simple autorize a loan to be taken out under my name and social security for a rent to own furniture store. They are now reporting late payments to my credit beaureu.
01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 351XX	Web
XXXX ( ( collections ) XXXX - Ive called several times just to hear different stories. & & for a mistake they made the only thing they can say is sorry we dont report to XXXX anymore!
04/20/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	PA 159XX	Web
On XX/XX/2022 someone used my information to get a loan from a company named Acima in the amount of {$1000.00} I did not authorize this purchase nor consent to have my credit pulled.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30034	Web
I spoke with an agent back in XXXX and was told donate the bed frame and it would be deleted from my account i called for my letter and never got got it and its still on my report.
12/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10027	Web
I ordered a couch back in XXXX and I was paying it off they told me before how much was left now its as if in XXXX they are still trying to over charge me and Im not understanding
09/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 752XX	Web
The lease was open on XX/XX/2018 and paid off on XX/XX/2018. My name is XXXX XXXX. The company of the lease is Acima Credit FKA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX.
12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91786	Web
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in ay way
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 196XX	Web
Unauthorized usage of credit information was never confirmed to be placed on credit report, this is harming my credit scores drastically and is stopping me from moving forward.
01/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89141	Web
Inaccurate Information being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33511	Web
I have lived at my current address for XXXX years. The account has an incorrect address. This account is reporting as a XXXX XXXX on my credit report with an incorrect address.
02/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98178	Web
I took out this loan on a XXXX XXXX and Ive paid way over the value of this loan. And fees are outrageous. There is still a payoff amount of {$1600.00} to buy out the product.
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29505	Web
A LEASE WAS EASTABLISHED WITH ACIMA DIGITAL FKA SIMP ON XXXX THE XXXX WAS PAID IN FULL AND IS NOT NEGATIVE. XXXX IS THE ONLY REPORTING AGENCY ACTIVELY REPORTING THE ACCOUNT.
08/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77075	Web
Acima Credit needs to prove that this is my account,. I have no knowledge of this account it's fraudulent. I sent a screenshot at the bottom of this account and information.
02/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28078	Web
Incorrect amount being reported on credit report- the account was fully paid off but its being reported as a charge off with XXXX dollars being written off! incorrect data
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06606	Web
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 1. XXXX XXXX 2. Acima Credit XXXX XXXX 3. XXXX XXXX
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21060	Web
This account is written as a charge off however I never received a 1099 cancellation of debt form and because of that this account is inaccurate and needs to be removed.
09/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33186	Web
I was a victim of identity theft and theres a company named : ACIMA DIGITAL FKA SIMPLE reporting a charged off closed account under my name that was due to IdentityTheft
08/24/2021	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	CA 95828	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
04/06/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 754XX	Web
I had a late payment on an account and I called to settle the situation, and even after paying the loan, they still report it as a late payment even though Im on track
03/09/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 32818	Web
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. It was paid and please remove it on my credit report.
07/23/2021	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 Investigation took more than 30 days	NC 28212	Web
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
03/16/2021	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 Investigation took more than 30 days	AZ 85021	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 since.
08/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06082	Web	Servicemember
ACIMA DIGITAL FKA SIMP Is in my credit report consistent reporting false, negative, inaccurate, inconsistent information. This is. It my account please stop it
09/02/2021	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 Investigation took more than 30 days	GA 30309	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.
03/18/2021	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 Investigation took more than 30 days	OH 43614	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.
03/16/2021	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 Investigation took more than 30 days	OH 43614	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.
03/15/2021	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 Investigation took more than 30 days	OH 43609	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.
03/13/2021	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 Investigation took more than 30 days	OH 43607	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.
03/13/2021	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 Investigation took more than 30 days	OH 43613	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.
03/13/2021	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 Investigation took more than 30 days	OH 43615	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.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web
I Have serval item on on my credit report that was fraudulent open and i did everything in my power to get these items removed and i been giving a hard time
11/15/2020	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 Investigation took more than 30 days	GA 30294	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 my investigation results.
06/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75082	Web
received loan and being charged more than what was in the application and a ridiculous date of one week after loan. {$270.00} weekly instead of a {$110.00}
07/07/2021	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 Investigation took more than 30 days	GA 30309	Web
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
11/20/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19805	Web
The loan was a very big amount for a pair of glasses and it was between covid times, i XXXX fired and sick and this loan really impacted my credit score.
03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 756XX	Web
My ex was helping with credit repair and kept my information and got a ACIMA account in my name that I wasnt aware of until it showed up on XXXX account
08/13/2021	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 Investigation took more than 30 days	PA 15210	Web
I 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.
07/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AK 99508	Web
I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach ACIMA DIGITAL FKA SIMP acct # XXXX {$2000.00} is not my account
03/10/2021	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 Investigation took more than 30 days	CA 91761	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/05/2021	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 Investigation took more than 30 days	NY 104XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
03/04/2021	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 Investigation took more than 30 days	PA 151XX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77803	Web
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
05/18/2023	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 Investigation took more than 30 days	GA 30318	Web
I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE NOT RECEIVED ANY INVESTIGATION RESULTS.
08/31/2021	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 Investigation took more than 30 days	TX 76006	Web
I filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/02/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 731XX	Web
They are reporting the date of last activity incorrectly and trying to make this look like a recent debt. This collection is over 2 or 3 years old.
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	AL 352XX	Web
Hi I applied for credit and the company Acima declined my application the email stated unable to verify my identity!! How can I clear this up?
01/13/2022	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 Investigation took more than 30 days	IN 46260	Web
This company has failed to reply to any of my debt validation letters after multiple attempts. They have also failed to validate the debt.
01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21061	Web
I have no idea nor have I opened an account with Acemia. It is now being considered charged off on my credit. I would like this removed.
01/31/2022	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 Investigation took more than 30 days	NV 89183	Web
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any results.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 32218	Web
There is an report on my account I dont know what it is someone use my information and I tried disputing it, and there nothing they did
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web
I have sent the police report, filed disputes on XXXX XX/XX/2021 {$840.00} ACIMA XX/XX/2021 {$3400.00} XXXX XXXX XX/XX/2021 {$800.00}
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 386XX	Web
Acima, a company I have never done business with and never heard of in my life, has reported false information on my credit report.
03/11/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 318XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75702	Web
I have reached out to XXXX XXXX to remove the old account from my credit report, they are removed and added right back in a day.
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 064XX	Web
This account is not being reported accurately. I do not owe any money on this account. This account was paid in full and closed
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34234	Web
I need to have XXXX items remove from XXXX, XXXX, and XXXX account. I do not know how the XXXX items are on my credit report.
08/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92801	Web	Older American
There is an account on my credit file that doesnt belong to me, I had my ID stolen and sent this company my police file and FTC
04/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web
There is something on my credit for Amica. I dont know who that is. I didnt authorize them to put anything on my credit report.
08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19134	Web
I have no knowledge of this account or what it is for. I personally have never signed up with Acima to receive their services.
02/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95307	Web
I have contacted cima in XXXX and XXXX to let them know this is a result of identity theft please remove from my credit file
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 735XX	Web
I settled it in XXXX if XXXX and I called XX/XX/XXXX to find out why its showing I owed {$2100.00} still and no explanation
11/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19124	Web
Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party
10/17/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 936XX	Web
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
04/03/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75075	Web
some one opened credit card on my name it was fradugelent account.credit card company is not removing from my account.
10/21/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
11/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11210	Web	Servicemember
Requested verification, validation and original contract with signature from ACIMA on XX/XX/2023, done was provided.
05/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06606	Web
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37067	Web
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.
07/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11211	Web
i sent them a letter on XX/XX/17 asking them to verify the debt and what actions they took to veryfiy the debt
03/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60628	Web
I spoke with Acima Credit that they are reporting to XXXX a closed account and I am stilling every bi-weekly.
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48197	Web
This company is not Metro 2 complaint in regards to the balance being reported and also the payment history.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10708	Web
ACIMA DIGITAL FKA SIMPLE ... this was paid in Full & it still on there as a Negative since Payment in 2019
01/31/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77642	Web
It a tire shop company that asking for tires that I dont even have plz help me get rid of whatever it is
03/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77047	Web
The debt was charged off and no 1099-C was not mailed to me. The debt has already been charged off.
08/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web
ACIMA DIGITAL FKA SIMP is showing collection and late. I didn't open up a debt with this company.
04/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33155	Web
I checked my credit report a found a fraudulent collection account named : ACIMA XXXX FKA SIMPLE
01/14/2020	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	IL 60466	Web
Company is reporting my account as a charge off and the account is open and was paid in full.
01/08/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NY 115XX	Web
Identify theft in XX/XX/XXXX didnt open this file notice on my credit report in XXXX of XXXX
08/26/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77503	Web
ACCOUNT NAME : ACIMA DIGITAL FKA SIMP ACCOUNT NUMBER : XXXXXXXX XXXX \| XX/XX/2020 Inquiry
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 360XX	Web	Servicemember
There is a Acima collection reporting on my credit report that I do not know what it is.
10/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web
I have reached out to the credit bureaus as well as this company to address this matter
03/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60440	Web
I reached out to the company a month ago in order to try to resolve this matter.
07/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
This account is being incorrectly reported on my credit due to identity theft.
04/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32218	Web
I have a fraudulent account on my credit report that I have never heard of.
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	GA 30052	Web
I have accounts on my credit that are not mine and not authorized by me.
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30078	Web
Incorrect information on credit report. i am a victim of identity theft
04/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI XXXXX	Web	Servicemember
Acima is still trying to collect a debt that discharged in Bankruptcy.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36869	Web
This company stole my information and reported it to my credit report
07/05/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 11741	Web
I never received written notification that I was 30 days past due
01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75180	Web
Data breach information was compromised. Don't recognize account
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA XXXXX	Web
The company did not update the account with the correct balance.
03/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90043	Web
An account was opened in my name that was not me not my address
09/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77034	Web
someone used my credit to obtain credit cards and loans, fraud
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14620	Web
This is opened up in my name and signature was forged...
08/30/2021	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 Was not notified of investigation status or results	MA 02122	Web
This account is being reported as Collection/Charge-Off.
12/24/2022	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 Problem with personal statement of dispute	IL 60619	Web
Theyre showing my account is closed with late payments
10/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AR 721XX	Web
Acima has broke the law due to denial of my own credit
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web
Identity theft report has been attached for review.
05/07/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	DE 19977	Web
Person threatening me about paying this debt
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 190XX	Web	Servicemember
Account was paid in full over one year ago
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36869	Web
Violation reporting on my consumer report
03/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76052	Web
ACIMA CREDIT FKA SIMPL XXXX {$520.00}
10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85323	Web
this acct alredy pay 4 moth ago
02/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29710	Web

02/11/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 34987	Web

02/07/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77449	Web

02/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	FL XXXXX	Web	Servicemember

02/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48203	Web

02/03/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	GA 30339	Web	Servicemember

02/02/2024	Yes	Debt or credit management Debt settlement	Problem with customer service	NY 10469	Web

01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48089	Web

01/30/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	MI 48048	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33615	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33603	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94509	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30024	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10552	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30241	Web

01/22/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48224	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 751XX	Web

01/21/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 01040	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11772	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70808	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77054	Web	Servicemember

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80219	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60452	Web

01/07/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98125	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75093	Web

01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	TX 75051	Phone

01/03/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	GA 30008	Web

12/31/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	FL 33065	Web

12/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 278XX	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27406	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75001	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77703	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91770	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84020	Web

12/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 800XX	Web

12/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 71118	Web

12/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	TX 75126	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30328	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08753	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45424	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10461	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71854	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60423	Web

12/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95037	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92114	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63043	Web

12/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91914	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33322	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18702	Web	Older American

11/29/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89169	Web

11/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Phone

11/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30904	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43227	Web

11/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	NV 89012	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33165	Web

11/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29376	Web

11/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30044	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33165	Web

10/26/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77429	Web

10/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10459	Web	Servicemember

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	DC 20001	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19111	Web

10/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	NV 89104	Web

10/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 32926	Referral

10/19/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33461	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33594	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85042	Web

10/16/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28027	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38016	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28027	Web

09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10469	Web	Servicemember

09/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 33414	Phone

09/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	ID 83442	Web

09/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	TX 75115	Phone

09/08/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	AZ 85339	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	IL 60107	Web

09/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 42262	Web	Servicemember

09/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78040	Web

09/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75211	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31015	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78526	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77060	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31903	Web

08/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32308	Web

08/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20743	Web

08/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76106	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32308	Web

08/09/2023	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	KS 66048	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85017	Web

08/02/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	CA 90012	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37128	Web

07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11231	Phone

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33570	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10457	Web

07/23/2023	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	CA 90032	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06513	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19142	Web

07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91902	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27603	Web

07/13/2023	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	DC 20011	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43231	Web

07/11/2023	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	FL 34488	Web

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91342	Web

07/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19454	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29910	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 15208	Phone

07/04/2023	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	IL 60461	Web

07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33607	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30039	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14612	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30039	Web

06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76063	Web

06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28262	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06902	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10469	Web

06/17/2023	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 Investigation took more than 30 days	CA 94806	Web

06/10/2023	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 Was not notified of investigation status or results	TX 78717	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33612	Web

06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10701	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48390	Web

05/30/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	KY 42701	Phone

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60461	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89012	Web	Servicemember

05/25/2023	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 Investigation took more than 30 days	FL 33844	Web

05/25/2023	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 Investigation took more than 30 days	FL 33844	Web

05/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 45424	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27603	Web

05/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36106	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33161	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

05/16/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NY 13205	Web	Older American

05/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 13205	Phone	Older American

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92109	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11203	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60056	Web

05/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 76116	Phone	Older American

05/11/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84121	Web

05/10/2023	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	CA 95660	Web

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53222	Web	Servicemember

05/05/2023	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 Investigation took more than 30 days	IL 60619	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MA 01040	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19152	Web

04/24/2023	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 Investigation took more than 30 days	GA 30067	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33073	Web

04/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36108	Web

04/09/2023	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 35401	Web

04/04/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	WA 98023	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14211	Web

03/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	CA 93612	Web

03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14215	Web

03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48228	Web

03/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 31407	Web

03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30265	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91701	Web

03/10/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TN 37849	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30047	Web

03/04/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 75043	Web

03/02/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	OK 73010	Web	Servicemember

02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19136	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94547	Web

02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06420	Web

02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19350	Web

02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95123	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

02/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70563	Web	Servicemember

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19124	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38401	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31322	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76951	Web

02/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76901	Web	Older American

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19135	Web

02/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33033	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19135	Web

01/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 31088	Web

01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30092	Web

01/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43235	Web	Servicemember

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30141	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30043	Web

01/14/2023	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	NC 28305	Web

01/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 95951	Web

01/10/2023	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	NY 10451	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29138	Web

01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33137	Web

01/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30314	Web

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48214	Web

01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30260	Web	Servicemember

12/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06716	Web

12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37043	Web

12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31088	Web

12/15/2022	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	SC 29001	Web

12/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27403	Web

12/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60827	Web

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48091	Web

12/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78222	Web	Servicemember

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77005	Web	Servicemember

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76011	Web

12/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30307	Phone	Older American

11/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37029	Referral

11/22/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	CA 90305	Web

11/19/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 30238	Phone

11/16/2022	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 30238	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30034	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30542	Web

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60639	Web

11/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PA 19118	Phone	Servicemember

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84047	Web

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30088	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90805	Web

10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77053	Web

10/22/2022	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	MD 21214	Web	Servicemember

10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90805	Web

10/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24502	Web

10/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30135	Web

10/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30135	Web

10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 41035	Web

10/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95348	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29594	Web

10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29594	Web

09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23666	Web

09/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30106	Web

09/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77082	Web

09/27/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75146	Web

09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85142	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55105	Web

09/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77406	Web

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33018	Web

09/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11205	Web

09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85353	Web

09/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 24502	Web

09/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21075	Phone

09/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85353	Referral

09/12/2022	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	TN 38114	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85353	Web

09/11/2022	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	MO 65401	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76028	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27545	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00682	Web

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32025	Web

09/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 24502	Web

08/26/2022	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	AZ 85353	Web

08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20020	Web

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06403	Web

08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20616	Web

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85353	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30228	Web

08/12/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 90265	Web

08/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19129	Web

08/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19149	Web

08/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77406	Web

08/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	LA 70445	Web

08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20735	Web

08/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 92606	Phone

07/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85710	Web

07/30/2022	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 Investigation took more than 30 days	GA 30228	Web

07/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70563	Web

07/20/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30093	Web

07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20783	Web

07/18/2022	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 Investigation took more than 30 days	CA 95209	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30288	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31645	Web

07/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web

07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90019	Web

07/03/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 11717	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80046	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02905	Web	Older American

06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web

06/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95367	Web

06/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76234	Web	Older American, Servicemember

06/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 77583	Web

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77018	Web

06/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34786	Web

06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60415	Web

06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15235	Web

05/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95404	Web

05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60417	Web

05/26/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 78256	Web	Older American

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19701	Web

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27597	Web

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11231	Web

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	Web

05/24/2022	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	IL 60417	Web

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11226	Web

05/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75036	Web

05/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60417	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11226	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11520	Phone

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90630	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30288	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web

05/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 45150	Web

05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11360	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77494	Phone

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60417	Web

05/05/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60417	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23234	Phone

04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60417	Web

04/29/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 93702	Web

04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33014	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08902	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75043	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77054	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32218	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10466	Web

04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02745	Web

04/11/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90305	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12550	Phone	Older American

04/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77459	Web

03/31/2022	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	TX 77078	Web

03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83661	Web

03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35222	Web

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37801	Web

03/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	PA 18042	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18337	Referral

03/27/2022	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 30331	Web	Servicemember

03/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75202	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29594	Web

03/24/2022	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 Investigation took more than 30 days	TX 78233	Web

03/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90804	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	NY 14301	Phone

03/17/2022	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	PA 19130	Web

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 95624	Web	Older American

03/15/2022	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	CA 94806	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33064	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36582	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92701	Web

03/11/2022	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	CA 95624	Phone	Older American

03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92509	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98059	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 18201	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 912XX	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85260	Web

03/06/2022	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	MA 01007	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30288	Web

03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web

03/01/2022	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	CA 92509	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11377	Web

02/23/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	UNITED STATES MINOR OUTLYING ISLANDS 17022	Web

02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92301	Referral

02/08/2022	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	MA 02721	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web

02/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07601	Web

02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29340	Web

02/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92105	Web

01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60466	Web

01/23/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	MS 38611	Web

01/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38118	Web

01/19/2022	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 Investigation took more than 30 days	NY 12550	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85044	Web

01/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 34237	Web

01/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 43607	Web

01/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA 01007	Web

01/07/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	MD 20716	Web

01/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	UT 84107	Referral

01/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78014	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

12/29/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	GA 30331	Referral

12/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CA 95831	Web

12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89032	Phone

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11213	Web

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77536	Web

12/19/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 34237	Web

12/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23703	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94531	Web

12/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web

12/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 71201	Web

12/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IN 46037	Web

12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	SC 29209	Phone

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28056	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10468	Web

12/02/2021	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 Investigation took more than 30 days	TX 75219	Web

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10701	Web	Older American

11/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46229	Web

11/26/2021	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 Was not notified of investigation status or results	NY 11231	Web

11/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72034	Web

11/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33844	Web

11/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92395	Web

11/23/2021	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 Investigation took more than 30 days	TX 75052	Web

11/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02745	Web

11/22/2021	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 Investigation took more than 30 days	LA 70072	Web

11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11239	Web

11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30093	Web

11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28387	Phone

11/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web

11/10/2021	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	SC 29414	Phone	Older American, Servicemember

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28540	Web

11/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77071	Web

11/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38133	Web

11/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77532	Web

11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98404	Web

11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29414	Web	Older American, Servicemember

11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10468	Web

11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76013	Web

11/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37013	Web

11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19050	Web

10/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web

10/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43227	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19121	Phone

10/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web

10/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02863	Web

10/21/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	MA 01844	Web

10/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

10/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

10/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77071	Web

10/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web

10/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77071	Web

10/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10466	Web

10/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web

10/15/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90403	Web

10/12/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30281	Web

10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90003	Web

10/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30084	Web

10/10/2021	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 Investigation took more than 30 days	GA 30328	Web

10/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web

10/08/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NV 89445	Phone

10/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92518	Phone	Older American

10/04/2021	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	OR 97006	Web

10/04/2021	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 Investigation took more than 30 days	NY 11575	Web

09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91109	Web

09/29/2021	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	TX 75241	Web

09/29/2021	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	IL 60620	Web

09/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72204	Web

09/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11510	Web

09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10470	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32083	Web

09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07514	Web

09/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60643	Web

09/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

09/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

09/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

09/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19138	Web

09/15/2021	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 Investigation took more than 30 days	MD 21204	Web

09/15/2021	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 Investigation took more than 30 days	PA 19132	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07104	Web

09/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85353	Web

09/01/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 92345	Web

08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19139	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89128	Web

08/30/2021	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	IL 60620	Web

08/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92021	Web

08/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 92345	Web

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 20774	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90043	Web	Servicemember

08/24/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	LA 70816	Web

08/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32448	Web

08/22/2021	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	LA 70816	Web

08/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46074	Web

08/18/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60435	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	CA 93610	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	CA 93610	Web

08/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

08/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77494	Phone

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70816	Web

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60443	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70816	Web

07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07649	Web

07/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

07/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30294	Web

07/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

07/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web

07/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37013	Web

07/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94702	Web	Servicemember

07/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MO 63368	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77044	Web

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44122	Web

07/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30342	Web

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20747	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84651	Web

07/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30083	Web

07/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	FL 34748	Phone

07/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10466	Web

07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02780	Web

07/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19713	Web

07/09/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 92345	Web

07/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 317XX	Web

07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33073	Web

07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43614	Web

07/01/2021	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	TX 78520	Web

06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web

06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10455	Web

06/24/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem with paying off the loan	CA 92507	Referral

06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WV 25928	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WV 25801	Web

06/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30453	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48219	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33898	Web

06/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75149	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98662	Web	Servicemember

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32837	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WV 25801	Web

06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90017	Web

06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19133	Web

06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95826	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90017	Web

06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64151	Web

06/09/2021	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 Investigation took more than 30 days	GA 30134	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23453	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07030	Web

06/08/2021	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	NY 10451	Web

06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95961	Web

06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07003	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19133	Web

06/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29407	Web

05/28/2021	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 Was not notified of investigation status or results	TX 77433	Web

05/22/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93610	Web

05/22/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93610	Web

05/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30274	Web

05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78660	Web

05/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30453	Web

05/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76112	Web

05/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21213	Phone	Servicemember

05/06/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NJ 08093	Referral

05/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

04/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10037	Web	Older American

04/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77018	Web

04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33511	Web

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30052	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80717	Web

04/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10033	Web

04/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 94105	Phone

04/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

04/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44128	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38119	Web

04/01/2021	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	MA 02302	Web

03/31/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32826	Fax

03/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10032	Web

03/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 37042	Referral

03/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 19135	Phone

03/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76052	Web

03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70001	Web	Servicemember

03/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10462	Web

03/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34480	Web

03/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 19135	Phone

02/28/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 32839	Web

02/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77433	Web

02/26/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32824	Web

02/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15656	Postal mail

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02740	Web

02/24/2021	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 Investigation took more than 30 days	IN 46408	Web

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10016	Web	Older American

02/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97701	Web

02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75287	Web	Servicemember

02/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76028	Web

02/10/2021	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	CA 94806	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30296	Web

02/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95993	Web

01/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02920	Web

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77422	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20785	Web

01/13/2021	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 Investigation took more than 30 days	DC 20019	Web

01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14616	Web

01/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78660	Phone

01/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60624	Web

01/02/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	LA 70517	Web

12/16/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30342	Web

12/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33168	Web

12/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone	Older American

12/03/2020	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	MA 02125	Web

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10029	Web

11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92071	Web

11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48386	Fax

11/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11418	Referral

11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19141	Fax

11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

11/12/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85340	Web

11/11/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	NY 11420	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89108	Fax

11/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11418	Fax

11/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 17103	Fax

10/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 92071	Referral

10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93550	Web

10/23/2020	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	TX 78045	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30016	Web	Servicemember

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30016	Web	Servicemember

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30016	Web	Servicemember

10/14/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 28314	Phone	Servicemember

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38016	Web

10/13/2020	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 Investigation took more than 30 days	GA 30260	Web

10/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34761	Web

10/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KS 66210	Web

10/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94574	Web

09/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 99301	Web

09/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63031	Phone

09/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web

09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77007	Web

09/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92394	Referral	Servicemember

08/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Report provided to employer without your written authorization	NV 89118	Web

08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37130	Web	Servicemember

08/21/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	SC 29505	Web

08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70058	Web

08/14/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30601	Web

08/11/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	NY 12189	Phone

08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92394	Web	Servicemember

08/03/2020	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	CA 92571	Web

07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21550	Web

07/31/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 28314	Phone	Servicemember

07/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77077	Web

07/23/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38114	Web

07/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32738	Web

07/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60035	Web

07/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30354	Web

07/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20601	Fax

07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

06/24/2020	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	VA 23234	Phone

06/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 92404	Phone

06/09/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	TX 77002	Web

06/08/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28306	Phone	Older American, Servicemember

06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11236	Web

06/04/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Postal mail

06/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Postal mail	Older American

05/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21044	Postal mail

05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30058	Web

05/15/2020	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 Investigation took more than 30 days	GA 30341	Web

05/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 79782	Phone

05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77656	Web

05/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33417	Postal mail

04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92394	Web

04/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02302	Web

04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28031	Web	Servicemember

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60707	Web

04/07/2020	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	MA 02125	Web

03/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62269	Web

03/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91932	Web

03/07/2020	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	MA 02125	Web

03/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10472	Postal mail

03/01/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30252	Web

02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34744	Web

02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20020	Postal mail

02/17/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77077	Web

02/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79423	Web	Servicemember

02/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70806	Web

01/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75024	Web

01/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan		Phone

01/17/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged		Phone

01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32707	Web	Servicemember

01/07/2020	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 92337	Phone

01/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30189	Web	Servicemember

12/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11230	Web

12/06/2019	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Add-on products and services	MA 02121	Phone

11/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MS 39180	Postal mail

11/20/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 19111	Fax

11/20/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32822	Web

11/14/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 10452	Phone

09/30/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	DC 20011	Web

08/20/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 175XX	Web

07/31/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

07/09/2019	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	AZ 85212	Postal mail

07/08/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	AZ 85019	Referral

07/01/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MA 02130	Phone

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	CA 90025	Web

05/28/2019	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	TX 76006	Web	Servicemember

05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76006	Web	Servicemember

05/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20020	Referral

04/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48066	Phone	Older American

04/15/2019	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	PA 15224	Web

03/29/2019	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	PA 15104	Web

03/21/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 23114	Web

02/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DE 19805	Web

02/14/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77027	Web

02/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29708	Web

01/22/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39501	Web

01/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone	Older American

11/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19023	Web

11/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30291	Phone

11/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33971	Web

10/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NY 10027	Postal mail

10/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02170	Web

10/24/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 91304	Web	Servicemember

10/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

07/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27513	Web

07/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38105	Web	Servicemember

07/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28311	Phone

07/12/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 95121	Web

07/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30060	Web

05/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone

05/18/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 778XX	Web

05/16/2018	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	NY 10452	Referral

05/09/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	TN 38135	Referral

04/20/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IL 60637	Web

04/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 47304	Web

03/20/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	FL 34711	Web

02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 18407	Web

01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10475	Web

01/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 18407	Web

01/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 32114	Phone

12/22/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30052	Web

09/29/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	MI 48235	Fax

09/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web

08/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46226	Web

04/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93401	Phone