Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
XXXX  Round 4 Dispute Letter Downloaded on XX/XX/XXXX Sending your Dispute Letter 1. Complete your dispute letter by filling in the following information by hand : Date of Birth ( located at the top of your dispute letter ) Social Security Number ( located at the top of your dispute letter ) Hand write your Date of Birth and Social Security Number in black or blue ink.

2. Sign your letter.

Its essential to let the bureaus know that you personally sent the letter.

Sign above your printed name at the bottom of the letter in black or blue ink.

3. Include the following documents in your envelope : ( See Quick Start Video 01 in the Tutorials section for details ) Dispute Letter ( attached ) Copy of Photo ID ( attached ) Proof of Address ( attached ) Copies of Evidence to support your dispute reasons ( if applicable ) 4. Mail your dispute letter using standard US Mail or via Certified Mail to : XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX DO NOT MAI L THIS PAGE Tracking your Results Keep your smartcredit account open so XXXX XXXX can import your new credit report to provide the results and guide you through the next round of disputes. 
And thats it, youre done! 
Please mail your dispute letter as soon as possible for the best results. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of Birth : __/__ /____ XXXX : _ _ _ - _ _ - _ _ _ _ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
Under FCRA 611 and 609, I am formally disputing the reporting of account # XXXX. This account is listed as charged off but reflects a {$0.00} balance. If this account was paid, settled, or otherwise resolved, the continued negative reporting is inaccurate and misleading. 
Please provide within 30 days : Proof of the charge-off, including the date and amount charged off. 
All records and statements supporting any remaining balance. 
A copy of the original signed contract or account agreement. 
If you are unable to verify this information, I respectfully request that : The charge-off status be removed or updated to " Paid in Full '' or " Settled. '' The balance be corrected to {$0.00} if applicable. 
The negative status be removed in accordance with the FCRAs accuracy and fairness standards. 
SELFINC/LEAD Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am formally disputing the negative payment history on account # XXXX ( SELFINC/LEAD ), as reported on my credit file. This account is closed and shows a {$0.00} balance, but still contains negative marks from XXXX. 
Under FCRA 611 and 609, I request : Full documentation showing the dates and amounts of all missed payments Copies of the original billing statements and payment logs from the creditor If this information can not be provided within 30 days, I request : Removal of the 30- and 60-day late payment marks Update of this account to reflect " Paid as agreed '' Continued reporting of unverified or incomplete data is a violation of FCRA 602 ( A ). 
SELF / LEAD Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under FCRA 611, I am disputing the 30-day and 60-day late payments being reported on account # XXXX. According to my Equifax report, there are no late payments reported for this account, which indicates a discrepancy in the information across credit bureaus. 
Under FCRA 609, I request the following within 30 days : Copies of all billing statements and payment history showing the dates of missed payments Verification from Self/Lead of the accuracy of the reported delinquency If you can not provide this documentation, I request : Removal of the late payments Update of this account status to reflect " Paid as agreed '' Inaccurate or inconsistent information violates FCRA 602 ( A ), which requires maximum possible accuracy in consumer reporting. 
SELFINC/LEAD Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am disputing the negative marks ( late payments and/or collection status ) on account # XXXX. The account is now showing a {$0.00} balance, yet is still being reported with 30- and 60-day delinquencies and a remark suggesting collection activity. 
Under FCRA 611, I request that you verify all aspects of this account with the original creditor.

Under FCRA 609, please provide : The full payment history Any documents showing missed payments Proof of the debt being transferred to a collection agency A copy of the signed account agreement If such information can not be verified or provided within 30 days, I request : Removal of all late payments Deletion of any mention of collection activity Update of the account status to reflect " Paid as agreed '' with {$0.00} balance The continued reporting of outdated or inaccurate information is a violation of FCRA 602 ( A ), and if a collector is involved, may also violate FDCPA 809. 
SANTANDER Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am disputing the status of account # XXXX ( XXXX ), which is being reported as " payment after charge-off/collection '' with a {$0.00} balance. 
Under FCRA 611, I request that you verify the accuracy of this charge-off status and provide documentation showing : When the charge-off occurred, That I still owed money at the time of charge-off, That I did not settle or pay in full prior to the status being applied.

Under FCRA 609, please also provide the complete payment history, original contract, and account records. 
If you are unable to verify this with proper documentation, I respectfully request that the charge-off status be removed or replaced with " paid/settled '' to reflect the accurate condition of the account. 

Identify XXXX account # XXXX. 
State that it is reported as payment after charge-off/collection with a {$0.00} balance, which is inaccurate and misleading.

Mention your prior disputes with the credit bureaus Cite the laws : FCRA 609, 611, and 607 ( b ). 

SBNASELFLNDR Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am disputing the negative information reported on account # XXXX ( SBNASELFLNDR ). This account is closed and shows a {$0.00} balance, but still reflects a 30-day late payment and a prior charge-off balance that I no longer owe.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 611 grants me the right to dispute any inaccurate or unverifiable information.

FCRA 609 allows me to request documentation supporting the late payment and charge-off, including billing statements, payment logs, and the original account agreement.

FCRA 602 ( A ) requires all information in my credit report to be accurate, fair, and not misleading.

If you can not verify the accuracy of this information with documentation from the original creditor, I request that : The 30-day late payment be deleted The charge-off remark be removed or corrected The account status be updated to " Paid as agreed '' with no derogatory marks Please respond within 30 days as required by the FCRA. 
POSSIBLEFINA Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 
I am disputing the reporting of account # XXXX from XXXX. The account is closed and is inaccurately listed as a charge-off with a {$54.00} balance, even though : No 30/60/90-day lates are shown The account has a {$0.00} past due amount No documentation has been provided showing the charge-off is valid Under the Fair Credit Reporting Act ( FCRA ) : FCRA 611 entitles me to dispute inaccurate or unverifiable information ; FCRA 609 entitles me to request all documentation used to report the charge-off ; and FCRA 602 ( A ) requires credit information to be completely accurate and not misleading. 
I formally request that you : Provide proof of the charge-off, including the original delinquency date and itemized balance ; or Delete the charge-off status if such proof can not be verified ; or Update the balance to {$0.00} and remove any derogatory remarks to reflect accurate status Please respond to this dispute within 30 days, as required by law. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am disputing the accuracy of the charge-off status on account # XXXX ( XXXX XXXX  XXXX 
The account is closed with a {$0.00} balance and shows no late payments or past due amounts. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you : Provide full documentation proving the charge-off, including the charge-off date, original balance, and payment or settlement history ; If such documentation can not be provided, remove the charge-off status and derogatory remarks entirely from my credit report. 
Continued reporting of unverifiable or inaccurate information violates FCRA 611, 609, and 602 ( a ).

Please respond within 30 days. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
I am disputing the collection account reported on account # XXXX ( XXXX ). This account shows a {$100.00} balance with a collection status, but also indicates a {$0.00} past due balance and no late payments. 
Under the Fair Credit Reporting Act ( FCRA ), I request the following : Documentation proving XXXX still owns this debt and that it has not been transferred or sold to a third-party debt collector ; Proof validating the balance and collection status. 
If XXXX can not provide this documentation, I request the complete removal of this account from my credit report. If the balance is no longer owed, the collection status must be updated or deleted. 
Please respond within 30 days as required by law. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1000.00}. 
The original creditor is COMENITY CAPITAL BANK. 
I am disputing the validity of the debt reported on account # XXXX from XXXX XXXX, originally from XXXX XXXX Bank. 
Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I request documented proof that XXXX XXXX legally owns or has been assigned this debt and has the authority to collect it. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I request that you conduct a reasonable investigation to verify this debt. 
If you are unable to provide valid proof of ownership or authority to collect this debt, I request that this account be deleted from my credit report immediately. 
Additionally, this debt appears to be reported multiple times, which is inaccurate and misleading. 
Please respond within 30 days as required by law. 
XXXX account from XXXX with account # XXXX and a balance of {$590.00}. The original creditor is XXXX BANK. 
I am disputing the debt reported on account # XXXX from XXXX XXXX XXXX, originally from XXXX Bank. 
Under XXXX XXXX. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I request full validation of this debt, including a signed agreement with the original creditor and proof that Spring Oak Capital is legally authorized to collect or has purchased this debt. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I request that you investigate this account. If you can not provide valid proof of the debt and authority to collect, this account must be removed from my credit report. 
Please respond within 30 days as required by law. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX. 
I am disputing the accuracy and ownership of the alleged debt reported on account # XXXX ( DIV ADJ SERV ), originally from T-Mobile. 
Under FCRA XXXX ( b ), I request that you provide documentation from the original creditor proving that you own or have been assigned this debt and are authorized to report it. 
If you can not validate this debt, you are required to remove this account from all credit reporting agencies. 
Additionally, under FDCPA XXXX ( XXXX XXXX. XXXX ), I request debt validation from your agency. 
Please respond within 30 days as required by law. 
XXXX XXXX from a Chapter XXXX bankruptcy XXXX on XX/XX/XXXX. 
I previously disputed this account with the credit bureaus and it was deleted from my Experian report but Transunion failed to perform an investigation and delete the disputed information.I am disputing the accuracy and completeness of the bankruptcy public record referenced # XXXX, filed on XX/XX/XXXX and closed XX/XX/XXXX, as reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX and XXXX ( b ), I request a full and reasonable investigation into this record. Please provide verification from the XXXX Bankruptcy XXXX to confirm the accuracy and completeness of this record. 
I also dispute the labeling of my previous dispute as frivolous, as I submitted a clear, legitimate dispute letter with valid reasons. 
If you can not verify or validate this record, or if it is incomplete or inaccurate, I demand that it be deleted immediately from my credit report. 
Please respond within 30 days as required by law. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation