Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (IL)

According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. 

Specifically, I refer to the following accounts : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : {$37000.00} XXXX XXXX AUTO : {$53000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX  : {$530.00} XXXX XXXX XXXX  : {$410.00} FRAUDULENT ADDRESSES : PLEASE REMOVE AND DELETE THESE INACCURATE AND FRAUDULENT ADDRESSES BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally request the removal of certain credit inquiries from my credit report that I believe are unauthorized or inaccurate. The inquiries in question are as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a credit inquiry can only be included on my credit report if I have provided explicit permission or there is a permissible purpose as defined by law. I assert that I did not authorize these inquiries and/or they do not meet the criteria for a permissible purpose.

Additionally, as per the FCRA, 15 U.S.C. 1681i ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, including unauthorized credit inquiries. I request that you promptly investigate these inquiries and remove them from my credit report as they are adversely affecting my credit score.

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.