Consumer complaint received 2021-06-29
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ONEMAIN FINANCIAL has committed multiple individual actions of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act as per federal law. On XX/XX/2021, I requested ONEMAIN FINANCIAL provide me with the five REQUIREMENTS that VALIDATE an alleged obligation through certified mail and return receipt. My request did not receive adequate information nor a competent response that is required pursuant to 15 USC 1692g. Nor was the return receipt sent to me. Upon receipt of my letter, ONEMAIN FINANCIAL was given 30 days to respond with competent evidence that I have any legal obligation to pay you. I received a letter from a representative who was not present during my consumer credit transaction, ( who I will be invoicing for infringing on my right to privacy and being in possession of my personal identity ) stating the amount of the alleged debt and asking to provide bank statements, etc for error ( another individual action committed ). Ultimately, I was not given a competent response, therefore, any contract that constitutes fraud is null and void. However, ONEMAIN FINANCIAL l is still reporting invalidated information to the three major credit reporting agencies. Which constitutes identity theft and fraud and is an individual action to my right to privacy and damaging to my reputation pursuant to 15 USC 1692d ( 1 ). I have not given my express written permission to report any consumer credit transaction between ONEMAIN FINANCIAL and me to any consumer reporting agency. I live with relatives and ONEMAIN FINANCIAL has sent multiple alleged statements with their logo on and in the contents of the mail, which directly commits an individual action pursuant to 15 USC 1692f ( 8 ). Additionally, ONEMAIN FINANCIAL was issued a cease and desist along with the disputed/validation letter. ONEMAIN FINANCIAL can not respond to my request because it is a piece of paper ( corporation ) that can not speak and they did not have my consent to contact me other than to invoke a specified remedy. Again, a representative chose to violate my consumer rights, pursuant to 15 USC 1692c. ( c ) ( 1 ) and 15 USC 1692c. ( c ) ( 2 ). Within a five-day window, the response I received was on XX/XX/2021, with a representative 's response and a statement attached. The statement attached contained my personal information and the amount of three different charges for one consumer credit transaction. The statement itself is false and misleading ( pursuant to 15 USC 1692e ) and constitutes fraud. ONEMAIN deliberately pursued cash from me after using my credit card ( pursuant to 15 USC 1602 ) in a consumer credit transaction. ONEMAIN did not meet the requirements that constitute communication with me pursuant to federal law. This is a direct individual action of 15 USC 1692c. Lastly, I was not advised of any collection efforts being terminated, nor was I notified of any specified remedy to resolve this matter. I was mailed a statement after cease and desist was in place. ONEMAIN FINANCIAL did not comply with the law, therefore ONEMAIN FINANCIAL will be held liable. ONEMAIN FINANCIAL has been extended an allotted amount of time to remove any errors and comply with the law upon receipt of the dispute of any alleged obligation. I do not agree with any contract. I deny any allegations of an alleged debt. I do not owe any alleged debt. I do not consent to any proceedings. If this matter is not resolved, I will take further steps to protect my consumer rights.

Company response to consumer: Closed with explanation