Consumer complaint received 2022-04-12
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, have late payments reporting to my credit report that isn't supposed to be there from SELF FINANCIAL, INC. d/b/a XXXX XXXX. SELF FINANCIAL , INC. claimed to have submitted a deletion of all late payments to the credit reporting agencies, but the late payments are still reporting to my credit report. In their response to CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that their " reporting was investigated and determined to be accurate. '' I have reason to believe that this is false and misleading information. SELF FINANCIAL , INC. also stated that " the Self Secured Credit Card was reported late as of 30 days past due for XX/XX/XXXX and XX/XX/XXXX and 60 days past due for XX/XX/XXXX. '' These are false and misleading statements that are referred to as billing errors. I was in fact not late nor past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. SELF FINANCIAL , INC. also stated that they've " sent emails advising me that if my account went 30+ days past due that it would be reported to the credit agencies as a late payment. '' I've never received such emails. The statement '' if your account went 30+ days past due it would be reported to the credit reporting agencies as a late payment '' is abusive, obscene, and threatening language to me and is a violation of Credit Practices 110.220 ( d ), ( g ). I am aware that not excluding transactions from my consumer report between me, the consumer, and the creditor is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). I am also aware that pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. SELF FINANCIAL , INC. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. It is my belief that SELF FINANCIAL, INC. has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by SELF FINANCIAL , INC., which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute XXXX XXXX. If found guilty, XXXX XXXX carries a criminal penalty of 20 years to life in prison.

Company response to consumer: Closed with explanation