Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX Email : XXXX Type of Complaint : Credit reporting issue / inaccurate information Complaint Details : I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccuracies and unverifiable negative items on my credit report. These inaccuracies relate to accounts that have been affected by documented data breaches, raising serious concerns about the authenticity of the reported information. 

Accounts & XXXX References : XXXX XXXX XXXX XXXX XXXX XXXX account, open XX/XX/XXXX, balance {$17000.00}. XXXX XXXX XXXX has reported past data breaches, making the accuracy of my reported late payments and balances unverifiable. FCRA 1681i ( a ) requires deletion if unverifiable. Source XXXX. XXXX XXXX / XXXX Revolving account, charged-off XX/XX/XXXX. XXXX has XXXX multiple breaches of consumer data, and reporting this account without proper verification violates FCRA 1681e ( b ). Source XXXX. OneMain Financial XXXX loan, charged-off XX/XX/XXXX, balance {$13000.00}. XXXX has suffered documented breaches, calling into question the legitimacy of reported payment history. Source XXXX. XXXX XXXX XXXX Accounts linked to XXXX XXXX Bank and XXXX XXXX XXXX, placed for collection. XXXX XXXX has breaches affecting consumer account data, rendering the negative entries unverifiable. Source XXXX. XXXX XXXX Factoring account with XXXX XXXX XXXX, balance {$470.00}. XXXX XXXX has been linked to consumer data exposure, requiring immediate investigation. Source XXXX. XXXX XXXX XXXX XXXX XXXX XXXX account, charged-off XX/XX/XXXX, balance {$1300.00}. Public breach reports indicate consumer data was compromised, which violates FCRA 1681e ( b ) if accuracy can not be verified. Source XXXX. XXXX XXXX XXXX XXXX XXXX account, balance {$230.00}. As a third-party collector, XXXX XXXX XXXX XXXX XXXX suspect due to prior data breaches and lack of verification. Source Outdated Personal Information : My credit report contains old phone numbers, previous addresses, former names, and obsolete inquiries that are no longer relevant. FCRA 1681c ( a ) requires removal of outdated personal information.

Requested Action : 1. Conduct a full investigation into each listed account with special focus on breach-affected entries.

2. Remove all unverifiable negative items immediately.

3. Correct or remove outdated personal information ( addresses, phone numbers, names ) and unauthorized inquiries.

4. Provide written confirmation of all deletions and corrections. 

Legal Reminder : Continued reporting of unverifiable or inaccurate information, particularly for accounts linked to companies with known data breaches, constitutes a willful violation of the FCRA. I expect a resolution in accordance with the law to restore the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation