Consumer complaint received 2025-06-17 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:
Subject : Formal Complaint and Request for Resolution Regarding Inaccurate Reporting Dear SELF FINANCIAL/LEAD BA, I am writing to formally dispute and seek immediate resolution regarding the reporting of late payments associated with my account, which I believe to be inaccurate. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, all reporting must be accurate and verifiable. Specifically, it implies that because late payments are classified as transactions, their appearance on your consumer report constitutes a violation of these requirements, thus holding the reporting agencies accountable for this reporting error. 

Accounts in Question : LEAD BANK ( CREDIT CARD ) # XXXX I would like to outline several discrepancies that I have identified in the reporting of this account : 1. * * Inconsistent Late Payment Reporting * * : One credit reporting agency indicates that my account is 60 days late, another reports it as 90 days late, and a third agency states that my account is in foreclosure/repossession. These conflicting reports create confusion and do not accurately reflect my payment history.

2. * * Reporting of Transactions * * : As noted in paragraph two of the FCRA, certain transactions, including late payments, must adhere to specific definitions to be reported. Given the inaccuracies mentioned above, I believe that the reporting of late payments on my account does not conform to these statutory requirements. 

As a result of these discrepancies and violations, I kindly request that you take the necessary action to correct my consumer report. Specifically, I request the following : - * * Reversal of Late Payments * * : Please update my account status to reflect " paid on time '' for the affected reporting periods, ensuring that all accurate information regarding my payment history is maintained. 
- * * Acknowledgment of Complaint * * : I would appreciate a written acknowledgment of my complaint and a detailed explanation of the actions that will be taken to rectify these reporting inaccuracies. 

I understand the importance of having an accurate credit report, and I do not wish to have my account removed as it reflects my credit history. Therefore, I seek to resolve this matter amicably while ensuring that all information remains both accurate and complete. 

Please consider this letter a formal notice of my dispute regarding the reported inaccuracies and the necessary corrections required. I expect a resolution to this matter within 30 business days. Should this issue remain unresolved, I will pursue all appropriate actions to enforce my rights under the FCRA. 

As a result of these violations, I am entitled to seek compensatory damages of no less than {$1000.00} per inaccurate late payment reported on my file. In light of this, I request the following immediate actions listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation