Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

Dispute of Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I obtained from XXXX. The account in question is : Creditor Name : SELF / LEAD Date of Alleged Late Payments : XX/XX/2023 XX/XX/2023, XX/XX/2023 After carefully reviewing my XXXX AND XXXX REPORTS, I have identified that the late payments reported are incorrect. I have attached supporting documentation to substantiate my claim. 
15 U.S. Code 1681s-2 ( a ) ( 1 ) addresses the responsibilities of furnishers of information to consumer reporting agencies, stating : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, 15 U.S. Code 1681a-2 ( A ) ( i ) defines exclusions to the term " consumer report, '' stating that : " Any report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the definition of a consumer report. 
" Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In accordance with these provisions, I am requesting that you : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Furthermore, the FCRA mandates that credit reporting agencies must ensure the accuracy and completeness of the information they report. Specifically, 15 U.S. Code 1681e ( b ) states : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Furthermore, the FCRA mandates that credit reporting agencies must ensure the accuracy and completeness of the information they report. Specifically, 15 U.S. Code 1681e ( b ) states : " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Additionally, 15 U.S. Code 1681a provides the definitions and rules of construction for terms used throughout the FCRA. This section ensures that the terms such as " consumer report, '' " consumer reporting agency, '' and " file '' are clearly defined, ensuring accurate and fair handling of consumer information. 
1. Investigate this matter with the creditor who furnished the information. 
2. Correct inaccurate late payment information from my credit report PAID AS AGREED. 
3. Provide me with a written confirmation that the disputed information has been corrected. 
I expect a response to this dispute within the 30-day timeframe required by the FCRA. Please send all correspondence regarding this matter to my address listed above or via email at [ Your Email Address ]. 
Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute.