Consumer complaint received 2022-09-09
Company: Self Financial Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1692 ( e ) congress proposed laws to prevent abusive and deceptive debt collection activities, SELF INC. LEAD BANK has conducted themselves inappropriately and illegally by assuming the role of original creditor when in fact they are nothing more than debt collectors according to 15 USC 1692 ( 6 ). By furnishing account XXXX under SELF INC.LEAD/BANK, they have been assuming the role and responsibility as original creditor when I am in fact the true original creditor of this account according to 15 USC 1692a ( 4 ) as my personal private information was exclusively extended to create this consumer credit transaction which in turn opened this account. In addition, according to 15 USC 1692e ( 9 ) SELF INC.LEAD/BANK is in direct violation by distributing and using written communication that created a false impression as to the source or authorization of who the original creditor is, as they demonstrate on my consumer report included in this complaint. I have always reserved my right to privacy as per the Privacy Act Of 1974 therefore my personal information should not be furnished under any circumstances unless authorized by the original creditor which is me. Consumer credit reporting is voluntary not mandatory, when we examine 15 USC 6821a ( 2 ), this law states It shall be a violation for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution. SELF INC. LEAD BANK presented a false and deceptive representation of themselves on my consumer report by paying a fee to each consumer reporting agency to report themselves as my original creditor. Too add, SELF INC. LEAD BANK has violated federal code 15 USC 6802, by not issuing the required full disclosure materials to me which allows me to exercise my right to opt out of them reporting any personal private information on my consumer report at any time. When SELF INC. LEAD BANK furnished my private information to all three consumer reporting agencies without written instructions by me, that amounted to identity theft and is a federal violation. SELF INC. LEAD BANK as a debt collector has been acting in the capacity as my creditor and has casually furnished data on my consumer report for over a year at their own discretion, the CFPB strictly prohibits abusive and deceptive behavior such as this. Ive been violated behind SELF INC. LEAD BANKS actions. Please see my attached affidavit which outlines additional violations committed by SELF INC. LEAD BANK. I have included an invoice as remedy for damages sustained at the hands of SELF INC. LEAD BANKS deceptive practices in the event they fail to respond to my affidavit and this complaint in a timely manner.

Company response to consumer: Closed with explanation