Consumer complaint received 2022-04-20
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE NEVER BEEN LATE I checked my credit report on XXXX XXXX and saw that I had inaccurately furnished late payments furnished by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is affecting my ability to extend credit and operate in commerce.

Congress has made it clear 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. Self Lenders failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud. Congress has stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system.

I am aware that pursuant 15 U.S.C. 1666b ( a ) a creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that a periodic statement was mailed to me 21 days prior to the bill due date. I never received such statements.

I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such statements with verification of such ( i.e. statement sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. 
I am also aware that I was supposed to receive a negative information notice in writing no later than 30 days after furnishing these alleged late payments to my consumer report. I have never received such notice. 
I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such notice with verification of such ( i.e. notice sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report.

Please be advised that in regard to these alleged late payments, I am aware that pursuant 15 U.S. Code 1681a ( d ) ( 2 ) a consumer report shall not include information solely as to transactions or experiences between the consumer and the person making the report. 
I am also aware that nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constitutes this alleged late payment being reported without lawful authority. 
If an executive member of ( COMPANY ) can not provide me with proof ( such as the actual notice ( s ) /statement ( s ) sent, tracking number, dated certified mail with my wet signature, etc ) along with a sworn statement that substantiates this claim and proves that ( company name ) adopted reasonable procedures for this alleged late payment with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished late payment with forethought and malice as an attempt to bring harm to me and my financial reputation. 

If any of the above can not be provided, I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place.

Please be advised that I am aware that whoever violates 15 U.S. Code 6821 such as the false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S.

Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to XXXX for a felony by an organization or imprisoned for 5 years or both pursuant 15 U.S. Code 6823 ( a ).

I am conditionally accepting any non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact. 

You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by Self Lender will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. 

Thanking you in advance for your anticipated quick co-operation on this important matter. 

Sincerely, XXXX : XXXX

Company response to consumer: Closed with explanation