Consumer complaint received 2022-11-08
Company: Self Financial Inc.
State: MO
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:
Complaint XXXX was closed as a " duplicate '' complaint. This is NOT A DUPLICATE. This is simply a new occurrence, which is a new violation, of the SAME EXACT FRAUDULENT PROCEDURE. This recent violation occurred on XXXX. That is not the same as the violation stated in any of the previous complaints. Specifically complaint XXXX was mentioned. That complaint was about the violation on XXXX. There was a separate violation with XXXX on XXXX. 

This is how this fraud and game is played by these companies. Self Inc. / Lead Bank agreed to remove a late payment over the phone for 2 different accounts ( XXXX ). Then decided that they wouldn't delete the late payments the next month. Then in XXXX of 2022 they agreed to send a request to remove the late payments for both separate accounts. This request has been sent to the 3 major Reporting Agencies on XX/XX/XXXX, XX/XX/XXXX and the XXXX of 2022. All 3 times Self Inc. / Lead Bank also validated the late as accurate. Which basically put the entire process in reverse. So the late was removed and it reflected on my report and score and then days later it was reverted back to showing late. Again this is 3 separate issues with the most recent being this month just 4 days ago on the XXXX of XXXX. 

Self even admitted to such in their response to complaint XXXX. They remove it but then days later XXXX will do a dispute process after the correction has already been made. Then they send the dispute back to Self and Self validates the late as accurate and it goes back on the credit profile and the XXXX score drops almost instantly again. Even though they all get the complaints at the same time XXXX seems to conveniently run the dispute after the other companies resolve the issue. This late response always turns the issue back into a dispute and then basically back where it started. 

On 3 separate occasions they have done this. I know the XXXX  system, the data fields and XXXX language. I know about the XXXX and The Credit Reporting Resource Guide. I know the FCRA and the regulatory structure, I know about the FDCPA. And I know that there are numerous blatant violations with just this account alone. 

XXXX responds slowly to everything. Their delay is causing a resolved problem to be unresolved. Self Inc / Lead Bank is compounding the problem by re-validating. 

This is not a coincidence. This is a pattern. I have avoided litigation with Self Inc. ' Lead Bank ' because I felt that their efforts were respectable. But after seeing this pattern I now come to the belief that a lawsuit is the only way to truly get remedy and justice. Lead Bank is located in XXXX XXXX, MO so venue for a claim is local. 

So again, and for the final time this is my formal notice to file suit against Self Inc. / Lead Bank in 15 days on XX/XX/2022. I have already filed against XXXX. I will petition the court of XXXX XXXX, MO with a claim against this company for several violations.

Company response to consumer: Closed with explanation