Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Account XXXX # XXXX OneMain Financials response fails to resolve the violations raised in my complaint and relies on conclusory assertions rather than legally sufficient verification. 

While OneMain asserts that it attached loan agreements and transaction histories, the response does not establish that the credit reporting currently being furnished is accurate, complete, or compliant with the Fair Credit Reporting Act. 

Specifically, OneMain has failed to address or substantiate the following material issues : Credit Reporting After Sale OneMain confirms the loan was sold to XXXX XXXX XXXX XXXX XXXX and that the amount owed to OneMain is {$0.00}, yet OneMain continues to report historical derogatory information without demonstrating a permissible purpose or accuracy following the sale OneMain did not provide evidence that continued reporting after sale does not result in duplicative or misleading reporting alongside the purchasers tradeline Balance and Status Accuracy OneMain did not explain how the reported charge-off balance aligns with the account reflecting a zero balance owed to OneMain OneMain did not clarify whether interest, fees, or penalties continued to accrue after charge-off and prior to sale OneMain did not provide proof that all payments, credits, and offsets were accurately applied prior to charge-off e-OSCAR Verification Deficiencies OneMains reliance on e-OSCAR responses does not satisfy the FCRA requirement of a reasonable investigation Automated e-OSCAR responses do not constitute independent verification of accuracy, especially where disputes raised substantive legal and factual issues OneMain failed to describe the actual steps taken during its investigations beyond conclusory statements Refinancing and Consumer Harm OneMain acknowledges multiple refinances within a short period but did not address whether refinancing resulted in increased principal, fees, or extended repayment that materially impacted reporting accuracy OneMain did not address whether the refinancing history was accurately and consistently reflected across all consumer reporting agencies Sale and Furnishing Authority OneMain did not provide documentation establishing its authority to continue furnishing negative information after selling the account OneMain did not demonstrate compliance with FCRA obligations once it no longer owned the account Merely attaching loan agreements and internal transaction histories does not resolve these deficiencies. Furnishers bear the burden of ensuring that information reported is not misleading, not duplicative, and fully verifiable. 

Because OneMain has failed to substantiate the accuracy, completeness, and legal permissibility of its continued credit reporting following charge-off and sale, the tradeline remains misleading and disputed. 

I am requesting that the CFPB require OneMain Financial Group , LLC to : Provide full documentary proof addressing each deficiency identified above, or Delete the OneMain tradeline from all consumer reporting agencies to prevent continued consumer harm. 

Absent such proof, continued furnishing of this account will be treated as knowing noncompliance with the Fair Credit Reporting Act and preserved as evidence for further regulatory and legal action.

Company response to consumer: Closed with explanation