Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: DC

Complaint narrative:
Re : Immediate Removal of Inaccurate Information from My Credit Report FCRA Violation 15 U.S.C. 1681 Dear XXXX, I am writing to dispute the inaccurate information currently being reported on my credit file and demand the immediate removal of the erroneous entry. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all information reported on my credit report is both accurate and verifiable. As such, I am formally requesting the removal of the disputed entry, which violates my rights under this statute.

Failure to Ensure Accuracy FCRA Violation Under 15 U.S.C. 1681e ( b ), you are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information you report. The information in question is not only inaccurate but is clearly damaging my credit without justification. It is imperative that any entry that can not be verified as accurate within a reasonable timeframe be immediately deleted.

If you are unable to verify this information, it must be removed from my credit file in accordance with FCRA regulations.

Failure to Properly Investigate FCRA Violation As per 15 U.S.C. 1681i, you are required to conduct a thorough and fair investigation when a consumer disputes an item on their credit report. You must ensure that the information is accurately reported or otherwise delete it from my file. You have 30 days to conduct this investigation, and if the information can not be verified by the reporting party or creditor, it must be permanently removed. The failure to investigate this claim thoroughly within this period is a direct violation of my rights under the FCRA.

Failure to Provide Corrective Action FCRA Violation If, after your investigation, the item is found to be inaccurate, 15 U.S.C. 1681i also requires you to inform me of the results of your investigation and make any necessary corrections to my credit file. I demand to be notified in writing that this entry has been removed from my report or that you have corrected the information if applicable.

Request for Documentation I demand that you provide me with all documentation and evidence that supports the accuracy of this information as reported by you. If the reporting entity has not provided such documentation or if the item is unverifiable, it must be removed from my credit report immediately. Failure to provide evidence of verification will be considered a violation of the FCRA, specifically 15 U.S.C. 1681i.

Notice of Legal Consequences Please be advised that failure to comply with the FCRA may result in legal consequences. If this dispute is not resolved in a timely manner or the erroneous information is not removed within the legally mandated 30-day period, I will not hesitate to escalate this matter. I will pursue legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

In addition, I will seek statutory damages and attorney fees as outlined under 15 U.S.C. 1681n and 1681o.

Please confirm that this dispute has been fully investigated and the incorrect entry removed from my credit report, or that you have corrected any inaccurate or incomplete information. 
Sincerely, XXXX XXXX XX/XX/year> XXXX -Reference

Company response to consumer: Closed with explanation