Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/17/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I entered into a lease agreement upon purchasing some glasses in October. My intention was, and is, to pay off the amount but the early pay off date. Because my agreed to weekly rent payments would not accomplish that, I made an additional larger sum payment. Without authorization to change or alter my weekly rent, they applied this payment to those deductions which puts me behind where I should be in paying down my balance. If I can't arbitrarily alter my rent payment, then neither can they. The lease agreement is clear as to the deductions taken weekly. This practice by the company is meant to keep people from paying off their balance early to avoid the crazy markup. I have sent an email directing them that I do NOT give consent for my recent lump sum payment to be applied to weekly rent payments. This is not fair business practice.

  

  Business Response

  Date: 12/21/2023

  Acima (hereinafter we, us, our) received the complaint filed by *************************** through the Better Business Bureau on December 17, 2023. We investigated this complaint and prepared the following response.
  
  On October 17, 2023, ************** entered an independent third-party retailer ********* (the Retailer) located in ********************, *****. While with the Retailer, she applied and was approved for our leasing services. On that same date, she selected the property described as 2 pairs of gls (the Property). Acima purchased the Property, and ************** electronically entered into a rental-purchase agreement (the Agreement) wherein she agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the Property ************** was required to make 52 weekly lease renewal payments of $27.18, plus an initial rent payment of $50.00 for a total of $1,463.19 (the Total of Payments). Alternatively, she could execute any other early purchase or termination option outlined within the Agreement. 
  
  As a courtesy to our customers, we offer two Early Purchase Options (EPOs); each of which reduces the cost of ownership and terminates the Agreement earlier than the rental period contained within. The first EPO is a 90-day EPO wherein ************** may obtain ownership of the Property by paying $672.43 by January 15, ****. The second EPO stipulates that ************** can obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining renewal payments.
  
  ************** states, that Because [she] agreed to weekly rent payments would not accomplish [the 90-day EPO], [she] made an additional larger sum payment. Without authorization to change or alter [her] weekly rent, [Acima] applied this payment to those [weekly] deductions. Pursuant to paragraph 2, Payments in the agreement, ************** authorized Acima to automatically draft the regular rental purchase payment amounts by their due date. If these rental payments are paid in advance, Acima is not authorized to continue drafting payments until they are due. As such, payments larger than the rental amount needed will pre-pay upcoming rent payments. Upon the clearing of the one-time payments, Acima is prohibited from withdrawing the minimum renewal payments until the prepayment expires. Therefore, we deny the claim that it was unauthorized as Acima is in accordance to the Agreement.
  
  ************** alleges, The lease agreement is clear as to the deductions taken weekly. This practice by [Acima] is meant to keep people from paying off their balance early to avoid the crazy markup. It is in the nature of leases that when a lessor makes large, advanced payments, the future lease renewal payments are prepaid and do not become due as previously explained. Acima is not authorized to take more than the regular rent renewal payment. As such, we vehemently deny that Acima negligently designed our leasing program to deceive our customers. ************** made a payment of $100.00 on November 17, 2023, through our online customer portal. When she made this payment, she was able to see her full 90-Day EPO balance. This payment prepaid her regular rent renewal payments on her lease through December 15, 2023. ************** has authorized another $100.00 payment on December 17, 2023, this payment is still being processed. In review of **************** complaint, it is clear she understands that her 90-Day EPO expires on January 15, ****. At any time, ************** can access her account through our online customer portal or by calling *********************** *************************** to exercise her 90-Day EPO.
  
  **************** desired resolution was for a Billing Adjustment. We will not ***** this request. We confirm we acted in accordance with the Agreement. We hope this explanation clarifies the payoff terms of ************** Agreement and her responsibilities thereunder. If she has any questions or wishes to explore purchase, or termination options that are available to her, we encourage her to contact our customer service department at **************. 

  Customer Answer

  Date: 12/26/2023

   
  Complaint: 21020354
  
  I am rejecting this response because: nowhere  in the lease agreement did I see any mention of "prepaid" amounts much less that no further rent payments would be made until such "prepayments" expire. The idea of a lump sum to pay the balance in full being the only way to settle the debt is ridiculous. Given the sheet number of complaints as to ACIMA's business practices, perhaps you should figure out how to offer options to make additional (not in full) payments through your app. Those that would not affect the regularly scheduled "rent" payments. Regardless of your statement, your are literally trying to prevent people who need to make payments from being able to pay off the balance by the early pay off date. If not unethical, it is certainly a B.S. business practice. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 12/29/2023

  Acima (hereinafter we, us, our) received the rejection of our response filed by *************************** through the Better Business Bureau on December 28, 2023.  
  
  As indicated in our prior response, Acima is authorized to take rental payments on their due date, and is unable to automatically draft additional rental payments prior to rent becoming due. ************** may authorize additional one-time payments at any time.  
  
  We reject **************** allegation that Acima is attempting to prevent customers from utilizing early-purchase options. Acima offers regular customer service hours via phone and chat and access to an online customer portal 24/7 through which customers may make payments at any time. **************** dissatisfaction with the services provided does not constitute prevention of her from utilizing her 90-Day early-purchase option.  
  
  As we have responded to **************** complaint in full, we consider this matter closed. She may contact our customer service department at ************ with additional questions.  

• Initial Complaint

  Date:12/15/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company offers same as cash option but hides an origination fee and a early payout fee. These fees should be illegal

  

  Business Response

  Date: 12/21/2023

  Acima received the complaint filed by ********************** through the Better Business Bureau on December 15, 2023. We investigated his lease and prepared the following response.  
   
  ********************** alleges Acima offers a same-as-cash-option. This is incorrect. Acima does not offer a same-as-cash purchase option, nor do we advertise our early-purchase options as such. Acima does offer two early-purchase options, the first of which may be utilized within the first 90 days of the rental-purchase agreement (the Agreement) by paying the 90-day early-purchase amount, which is disclosed in paragraph 3 of ********************** Agreement titled, Purchase Terms. The 90-day early-purchase amount includes payment for use of our services. It is the nature of leasing services to charge customers for the use of such services.  
  As of todays writing, we confirm ********************** has initiated a purchase payment under his 90-day early-purchase option. Should this payment clear successfully, ********************** will own the property that is the subject matter of the Agreement and have no further payment obligations to Acima. ********************** may reach out to our customer service department at ************ with any additional questions.  

• Initial Complaint

  Date:12/14/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a new lease with Acima in October. Shortly after I changed jobs and had to change my payment due date because now I am paid no-weekly. I have called multiple times and emailed multiple times with no success. I am simply asking for an updated payment schedule (Exibit B) so I know when and how much I need to pay before the interest jumps up. Since the customer service can’t seem to answer this question no matter how many times I have asked or the email team just sends the same response I am placing my concerns here. I have had no issues until now. What I am asking is simple and should not be hard to answer.

  

  Business Response

  Date: 12/18/2023

  Acima (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ****** ****** through the Better Business Bureau on December 14, 2023. We have contacted Ms. ****** directly and reached a resolution to this complaint. As such, we consider this complaint closed. She may contact us at ###-###-#### with any additional questions.

  Customer Answer

  Date: 12/18/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:12/13/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is trying to charge me for what they say is a bed purchase from a furniture store which they have no proof that I purchase cause I didnt purchase nor do I know of this store.

  

  Business Response

  Date: 12/15/2023

  Acima (hereinafter we, us, and our) received the complaint filed by *****************************, through the Better Business Bureau on December 12, 2023. We have investigated his complaint and provide the following response. 
  **************** claims didnt purchase nor do I know of this store fraud. Whiile we have reason to believe that this lease is his, Acima takes fraud allegations very seriously. If **************** still believes his identity was used to fraudulently create this lease, we request he file a police report and provide us with a full and complete copy of the same at ******************************* Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is in fact fraudulent, we will terminate this lease.Absent proof of fraudulent activity, we will not terminate the lease.. 
  Please note, we have placed a do-not-contact order on the lease. **************** will not receive further communication from Acima, unless he specifically requests it. 
  As we are awaiting additional documentation, we consider this complaint closed. If **************** has any additional questions regarding this response or obtains the requested supporting documentation, he may contact our fraud department at ******************************* 

• Initial Complaint

  Date:12/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to ******'s furniture and got some furniture but I used acima leasing. The salesman is also a Acima representative. I got the furniture home and realized he put a partner protection plan I'm every piece charging me a extra six hundred dollars. So I went back up there and spoke with the manager he went on to tell me I got the furniture at a discount by having the plan I checked online and the furniture was half the price that the salesman originally sold it to me for in the store but my recept didn't support his calm. They made like I just bought the plan cause I wanted it. I've been calling Acima and ******'s furniture for two months now trying to get this worked out and now since I've took it a step further and started writing reviews they hadn't up on me when I call. I only ole the amount for the protection plan and I refuse to be scanned by these sharks they are trying to get an extra 600 or if me and I need to have this settle by Jan. 16 or I'm charged double. Please is your guys can help I would really appreciate it and if they want can be document how ruthless these guys are. It's a shame how these sharks take advantage of hard working citizens

  

  Business Response

  Date: 12/13/2023

  Acima (hereinafter us, we, our) received the complaint filed by **************** through the Better Business Bureau on December 11, 2023. We investigated his complaint and prepared the following response.   
  
  Upon receipt of the present complaint, we obtained a copy of the invoice from Ashley ********* (the Retailer) and confirmed the following. **************** signed and agreed to the invoice items and cost. Further, our system accurately reflects the Retailer invoice price and ************** also agreed to the purchase terms and conditions outlined in his rental-purchase agreement (the Agreement) with Acima. As such, we are unable to ***** his request for a billing adjustment. 
  
  If **************** has any questions or concerns regarding the protection plan provided by the Retailer, he must contact the Retailer directly as we advised on October 24, 2023, and December 4, 2023. If **************** has questions related to his Agreement, he may contact our customer service department at **************. 

• Initial Complaint

  Date:12/11/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I never purchased with this company

  

  Business Response

  Date: 12/12/2023

  Acima (hereinafter we, us, our) received the complaint filed by ******************************* through the Better Business Bureau on December 11, 2023. Acima has searched our database and are unable to locate an agreement matching ****************** provided identifying information. Please be advised, this does not mean that a rental agreement does not exist under another spelling, name, or other classification. **************** may respond to this complaint with additional identification information, such as the lease number, so we may better assist them with their concerns.  Additionally, **************** has the option to indirectly dispute the listed account through Experian. Please note, Experian is the only national credit bureau to which we report. 
  
  Until Acima receives the requested information, we are unable to address this complaint. **************** may contact ** at ************** with any additional questions.

• Initial Complaint

  Date:12/08/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I entered into an agreement to have my payments completed by Sept 23rd in order to bypass high interest on a purchase. A couple weeks before my due date I went online and selected to pay my balance in full. The system alerted me about a pending payment and provided my amount to pay. I paid what the system said. Three months later acima starts taking automatic payments from my bank account again, alerting me to go online and see what was going on. It now says i owe $1,100 plus! After speaking with customer service I find out the system had me pay 6 dollars and some change shoes of the " full balance" so they entered me into an extended lease doubling the original purchase price!!!! I have been a customer several times before, never have this error. Nobody cares of course and won't allow me to pay a measly 6 bucks and is trying to charge me over one thousand dollars due to an error with their software and what it directed me to pay. I am outraged!!

  

  Business Response

  Date: 12/15/2023

  Acima (hereinafter we, us, and our) received the complaint filed by *******************************, whose name is reflected in our system as ***************************, through the Better Business Bureau on December 8, 2023. We have reached out directly to ****************** and resolved this issue. If ****************** has additional questions, she may contact our customer service department at **************. 

• Initial Complaint

  Date:12/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company reported a delinquent account in my name and I don't even have an account with them.

  

  Business Response

  Date: 12/12/2023

  Acima (hereinafter Acima, us, we, our) received the complaint filed by ***************************************** on December 6, 2023, through the Better Business Bureau (BBB). 
   
  Acima takes fraud allegations very seriously. If ************************** still believes his identity was used to fraudulently create this lease, we request that he file a police report and provide us with a full copy sent to ******************************* Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is fraudulent, we will terminate the lease and remove all reporting of it from the credit bureau. Absent proof of fraudulent activity, we will not terminate the lease.  
  
  As we are awaiting additional documentation, we consider this complaint closed. If ************************** has any additional questions regarding this response or obtains the requested supporting documentation, he may contact our fraud department at ******************************* 

• Initial Complaint

  Date:12/05/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ACIMA DIGITAL FKA SIMPLE, I do not have a contract with ACIMA DIGITAL FKA SIMPLE, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 12/06/2023

  Acima was unable to locate a lease account in our system matching the identifying information that Ms. ***********;provided in her complaint. **************** may contact our customer service department by phone at ************** if she has any questions, or if she would like to assist our agents in attempting to locate a lease account associated with her information. Additionally, we ask **************** to contact our credit reporting department by email at ********************************************************** regarding matters related to credit disputes.   

• Initial Complaint

  Date:12/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO ************:488-92-5936 To Whom It May ******** I recently received a copy of my Experian, ******************** consumer report, and I noticed that ACIMA DIGITAL . are reporting my transactions and experiences specifically a late payments that ACIMA DIGITAL have posted on my consumer report.THE LAW CLEARLY STATES: Transactions between the consumer (ME) and the person (ACIMA DIGITAL) Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with ACIMA DIGITAL CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! ACIMA DIGITAL is in clear violation of the law. Pursuant 15 USC ****a 2(A)(i) EXCLUSIONS- Except as provided in paragraph (3), the term consumer report does not include (A)subject to section ****s3 of this title, any (i) report containing information solely as to transactions or experiences between the making the report ACIMA DIGITAL VIOLATED THE **** 15USC ****a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS!You have been notified that ACIMA DIGITAL are reporting inaccurate inform to the consumer reporting agencies. 15 USC ****a 2Ai Congress specifically says transaction or experiences with the Consumer (me) and the person (ACIMA DIGITAL ) making the report is not included on my consumer report. ACIMA DIGITAL . Ignorance of the law is no excuse To update my Transaction/Payment history and DELETE all late payments from the below account {***************************}

  

  Business Response

  Date: 12/06/2023

  Acima (hereinafter we, us, our) received the complaint filed by **************** through the Better Business Bureau (the BBB) on  December 4, 2023. We investigated his complaint and prepared the following response.  
  
  **************** claims that ACIMA DIGITAL VIOLATED THE **** 15USC ****a 2Ai. While the cited code doesnt correctly refer to an active code of law, we assume **************** is referring to 15 U.S. **** d(2)(A)(i). This code of law relates to the construction of a consumer report by a credit reporting agency (CRA). Acima is not a CRA but a furnisher of information to the **** Further, we do not prepare consumer reports. As such, this section does not directly apply to us. We confirm the information Acima has reported falls under the scope of allowed reporting under the Fair Credit Reporting Act (****). 
  
  Upon reviewing our communications with ****************, he has indicated that he did not give authorization for reporting. This is not correct. Upon signing the Agreement, **************** consented to the terms and conditions contained within. Pursuant to paragraph 13 of his signed Agreement, titled Reporting, You authorize and instruct us to obtain a consumer report from a consumer reporting agency of our choosing, for purposes of verifying information on your application. You approve and acknowledge that we may report information about your lease and payment history to credit bureaus. Pursuant to the ***** Act, an electronic signature is equally valid as a wet-ink signature. If **************** would like to review his signed Agreement, he may log into his account at *********************************/ and review a copy located there. 
  
  Mr. ******* desired resolutions is a correction to a credit report and to DELETE all late payments. We will not ***** this request. We confirm our reporting is authorized under the Agreement and that the information Acima has reported falls under the scope of allowed reporting under the ****. We are responsible for providing correct and accurate information to the credit bureaus, and to immediately update any information that is discovered to be inaccurate. We will not remove correct and accurate information from customers credit reports. 
  
  If **************** has any additional questions regarding this response or general questions regarding his lease, he may contact our customer service department at **************.

  Customer Answer

  Date: 12/08/2023

   
  Complaint: 20957981
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

   

  Notice, it is a fact, affiant is aware, that {Acima digital } as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S. Code 6802(b)(a)(A)(B)(C). {Acima digital } is in violation of 15 U.S. Code 6802(b)(a)(A)(B)(C) for failure to comply with these requirements.

   

  Notice, it is a fact, affiant is aware, until the creditor has resolved a billing error dispute {acima digital } cannot report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611(1) for failing to disclose information {Acima digital} is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640(a)(2)(A)(i).

   

  Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 6801(a) I, the affiant, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information.
  

   

  

  Business Response

  Date: 12/11/2023

  **************** claims that, [Acima] did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out. We deny this allegation in its entirety. When applying for our services, on the application **************** was required to click a checkbox that read, I understand that by clicking on the SUBMIT button immediately following this noticeI am agreeing to the Application Terms, Privacy Policy, Terms of Service, and ESIGN disclosure. Additionally, by checking this box I agree to allow Acima Digital, LLC to share my application data with Appliance Wholesalers. The words, Application Terms, Privacy Policy, Terms of Service, and ESIGN disclosure all contain hyperlinks which, upon clicking will redirect the applicant to the full disclosure associated. Specifically, clicking Privacy Policy would take **************** directly to www.acima.com/privacy-policy which provides our full privacy disclosure, as required. It additionally discloses the information collected, how Acima uses and shares the information, as well as choices regarding that information. We confirm **************** clicked the checkbox prior to submitting his application, confirming he was, in fact, provided the initial privacy notice as required. We confirm that we obtained appropriate authorization from **************** regarding the sharing of personal information and direct him to www.acima.com/privacy-policy for information regarding how to opt-out of the sharing of his information. 
  
  Additionally, **************** continues pursuant to 15 U.S. Code 6801(a) [he], the affiant, has the right to privacy and the right to know where and how to direct the disclosure of [his] nonpublic information. We confirm we follow all applicable portions of this law, and that all consumer information has been adequately protected. Please note, the opt-out requirements, referred to in the complaint, are not applicable when disclosing non-public information to a ************************* (CRA) in accordance with the **** (12 CFR 1016.15(a)(5)(i).). We confirm that we have not violated any of Mr. ******* rights to privacy. We confirm we have protected Mr. ******* information to the fullest extent of the law. 
  
  We confirm that we obtained consent from **************** and that the Truth In Lending Act (TILA) does not apply to his rental-purchase agreement. As such, **************** is not due monetary damages, nor will we remove our reporting, as we are responsible for providing correct and accurate information to the credit bureaus, and we will not remove correct and accurate information from customers credit reports. If **************** has any general questions, he may contact our customer service department at **************.