Consumer complaint received 2023-01-20
Company: Self Financial Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Both the XXXX  Atlantic Capital Bank and the XXXX XXXX items are fraud. 

The XXXX XXXX has been declared fraud and removed from my XXXX. The executive office at XXXX thought otherwise but refused to digital communicate and must be engaging in some kind of telenet telephonic extortion over the phone networks, using the credit reporting as extortion leverage. 

XXXX  Atlantic Capital Bank did exactly the same thing when SouthState Bank was acquired, and I all of a sudden had an illegal reporting of my Secured Credit Card Builder Account and I had to close it down because they were illegally reporting themselves, the account, and illegally and fraudulently reporting that it was a loan. They attacked my credit and have damaged my credit, and I have almost no truly missed payments, just the insinuation falsely and everything paid off or ahead of time. 

Once both of these are removed, my credit score should be much higher, but it is eggregious that I have had to deal with almost a year of defamation because of this in the lenders accounts, and it falsely damages my ability to get a loan, go back to college, as well as retain employment. It is a major problem when this is the result of racketeering. 

All of the credit reporting agencies are for some reason charging subscriptions to get your score, even though that is illegal and against the law. They also have falsely carried out these investigations at too slow a rate, and it has caused me to lose my XXXX XXXX  XXXX, and even that was fraudulently closed due to error because of a payment that went through LATE on THEIR END, and caused a bounce, which legally and financially legally writing, IS NOT MY FAULT and THEIR LIABILITY. Their is an open XXXX XXXX  Case with that as well which they should be compensating over {$7500.00} Inquiry Dispute based upon their terms and conditions, of which they have violated. 

I am dealing with a State of Maryland case that is rolling over and there are probably going to be this many Federal filings filed, because this many crimes occurred IN AN INCIDENT of 9 days. 

TXXXX 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 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

Company response to consumer: Closed with explanation