Consumer complaint received 2023-04-06
Company: Self Financial Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this debt & it is reporting on my credit report and causing negative impact to my credit profile. I cant not build a positive credit report because this debt from self lender is reporting on XXXX, XXXX, & XXXX. I was XXXX from XX/XX/XXXX- XX/XX/XXXX. I have no knowledge of this company or this account. This account was created fraudulently. It does not belong to me. I have also included The Fair Credit Reporting Act ( FCRA ) The FCRA was originally passed in 1970 to help ensure that the information on your credit reports is accurate, fair and private. Anyone who creates reports about consumers ( like credit reporting agencies, tenant screening companies, XXXX, etc. ) and anyone who furnishes information to a consumer reporting agency ( e.g. lenders, creditors, collection agencies, etc. ) has to follow the rules that are laid out in the FCRA. 

According to the FCRA, youre entitled to the following rights : Anytime information in a consumer report is used against you to deny an application for credit, employment or insurance or to charge you higher fees or premiums you have to be told. This is called an adverse action notice. 
You can request a copy of all of the information a consumer reporting agency has on file about you ( often free of charge ). 
Youre entitled to request a free copy of your credit report once every 12 months from each of the credit reporting agencies and each special consumer reporting agency. 
Youre allowed to request your credit score, but you might have to pay for it. 
If you find incomplete or incorrect information on a credit report or consumer report, you can dispute it and the consumer reporting agency has to investigate your claim. 
Any incorrect, incomplete or unverifiable information has to be fixed or erased from your consumer report ( credit reports included ) if you dispute an item and its not verified typically within 30 days. 
Negative information usually cant stay on your credit report for more than seven to 10 years, depending upon the item. 
Only someone with permissible purpose is allowed to access your credit file such as a company reviewing your credit application, an insurance provider, a landlord or an employer to whom you gave written permission. 
The credit bureaus can sell your credit information to card issuers and insurance providers for prescreened marketing purposes, unless you opt out. 
You can sue a consumer reporting agency, the credit bureaus or data furnishers if they violate any of your rights. 
The Fair Debt Collection Practices Act ( FDCPA ) The FDCPA was originally passed in 1977 to prevent debt collectors from being unfair, abusive or deceptive when they try to collect debts from consumers. The law, enforced by the Federal Trade Commission, applies to third-party debt collectors, like collection agencies or debt buyers, but typically not to original creditors. 

According to the FDCPA, youre entitled to the following rights : Debt collectors can only call you between 8 a.m. and 9 p.m. based on your local time zone, not where the debt collector is located. 
If you tell a debt collector you arent allowed to get calls at work, they cant call you there. 
You can mail a letter ( certified with a return receipt is best ) to ask a debt collector to stop contacting you. Be aware, this could trigger a debt collection lawsuit if thats the only way you leave a collection agency to collect the debt. 
Debt collectors arent allowed to talk about your debt with anyone other than you, your spouse or your attorney. But a debt collector can contact other people, typically just one time, to ask for your contact information. 
You have to receive a written notice from a debt collector that says how much you owe, the name of the creditor you owe and instructions on what you can do if you dont think a debt belongs to you. 
If youre contacted about a debt and you dont think you owe it, you can ask for the debt to be verified. 
Debt collectors can not : Threaten you Curse or use obscene language Harass you with repeated phone calls Lie about how much you owe Falsely claim to be an attorney or to work for the government Say youll be arrested if you dont pay Threaten legal action ( unless they really intend to sue you ) Charge interest or fees unless the original contract and/or state law allows it Deposit a post-dated check early Threaten to take ( or take ) your property without legal permission to do so Take money from your paycheck without a court order ( aka garnishment ) Seize money from your bank account without a court order You can sue a debt collector if it violates any of your rights.

Company response to consumer: Closed with explanation