Consumer complaint received 2025-04-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am writing to formally request an investigation and correction of inaccurate information reported on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 and the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ).

I have previously maintained good credit until an unforeseen medical hardship necessitated a proactive approach to manage my financial obligations. In an effort to maintain my credit standing during this challenging time, I engaged the services of XXXX XXXX XXXXXXXX, who assured me of their capability to resolve my financial distress and manage issues concerning my credit report. 
However, I am now facing prolonged difficulties with inaccurate late payment information being reported, related to accounts that have already been settled through the aforementioned law firm. Despite my efforts, the credit reporting agencieswho are bound by the FCRA to ensure the accuracy of the information they reporthave not improved my credit report. I am particularly concerned that the inaccurate data remains, despite requests for validation and clear proof of my disputes regarding the settled accounts. 
Furthermore, I sought assistance from a credit remediation service owned by XXXX XXXX. The service cost me over {$1200.00}, during which I did not receive any meaningful action or even a request for the necessary documentation that could support my case. Thus far, I feel my rights have been violated as stipulated under 1681g, which grants me the right to request and obtain all information in my credit file.

I respectfully request the following items, as my rights under the FCRA compel you to provide them : 1. Documentation related to the alleged agreements between the banks and debt collection agencies, specifically contracts or any proof that validates the chain of title for the debts collected.

2. Evidence that confirms the legitimacy of the transferred debt and that the initial creditor had the right to sell the debt to the collection agency that currently reports it. 
XXXX. All documentation regarding the transactions associated with each disputed account. 
In addition, I would like to point out that the last investigation performed by your agency referenced a contract between the bank and the firm to whom the debt was sold. However, I have not been given any proof of that contract or documentation that confirms the validity of the sale and the obligations therein. 
I firmly believe that the ongoing presence of these inaccuracies on my credit report, alongside the lack of thorough validation, continues to violate my rights. I intend to escalate this matter further, including filing complaints with the IRS if necessary, as my attempts at resolution have been repeatedly disregarded. 
I appreciate your immediate attention to this matter and am hopeful for a timely resolution. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation