Consumer complaint received 2022-09-10
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 sent a paper dispute to XXXX, XXXX, and XXXX via certified mail about the account on my reports, Self/Lead Bank on XX/XX/XXXX. I've disputed many times online between XXXX and XXXX with the bureaus and the company. I have requested for the contract I signed to be sent to my home via US mail so that I may verify this account. Dispute results always state the information has been verified with the bureau by the company. I still have not received any documents which I've requested. The account is showing on my credit reports as current. It shows " Paid '' account status on the XXXX and XXXX reports and " closed '' on the XXXX report, but all reports show that payment status is current. How can a closed/paid account status be current when there have been no payments? I have no knowledge of this account and I have not verified the account. 

XXXX XXXX is on my XXXX and XXXX credit reports. The previous amounts owed and initial contact amounts are unverified. XXXX has a class action lawsuit filed for predatory and deceptive practices with customers. I have never signed any contracts with XXXX. I have disputed the accuracy of the account and the amount owed between XXXX and XXXX online and via US mail with bureaus and the company. Nothing has ever been sent to my home to verify this debt. This debt was included in a XXXX  XXXX bankruptcy file on XX/XX/XXXX and discharged on XX/XX/XXXX. All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account. 

The XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory " account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX. Sold to XXXX XXXX XXXX  '', and my XXXX report as Open and " current ''. I have been disputing this account online and via email from XXXX to XXXX with the bureaus and the company. Account statements change, The account changes from open to closed, then closed to open. How can an account that has been discharged in a XXXX XXXX bankruptcy be open and current or have any other description outside of " discharged in XXXX  XXXX bankruptcy ''? 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that I be disclosed all the documents that have been recorded and retained in the bureaus/company 's files at the time of my request concerning the accounts that are reporting in my credit reports. If there isn't any documentation in the files to verify the accuracy of the disputed accounts, they should be deleted 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 these bureaus are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In two years of disputes, the bureaus and companies have been unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed above within 30 days of all my dispute letters/attempts. Therefore, these bureaus must remove these accounts from my credit reports.

Company response to consumer: Closed with explanation