Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Formal Dispute and Validation Request Under FCRA, FDCPA, Texas Finance Code, and Related Regulations Date : XX/XX/XXXX To : ONEMAIN FINANCIAL Address : XXXX XXXX XXXX, XXXX, MA XXXX Phone : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Disputed Account Information Account Name : ONEMAIN FINANCIAL Account Number : XXXX Current Status : MUST PROVIDE THE STATUS OF THIS ACCOUNT. 



CEASE & DESIST DIRECTIVE Effective immediately : All non-written communication ( calls, texts, etc. ) is prohibited under FDCPA 1692c ( c ).

A credit reporting freeze must be implemented until full validation is provided, per XXXX v. Experian ( XXXX. XXXX. XXXX ). 
Violations will trigger : {$1000.00} statutory damages per FDCPA violation. 
Treble damages under Texas Finance Code 392.403.

II. Request for Comprehensive Investigation Pursuant to 15 U.S.C. 1681b, 1681e, 1681i ( FCRA ) and 12 CFR Part 1006 ( Regulation F ), I dispute the accuracy of the above-referenced account and demand a full reinvestigation. Provide the following : Required Documentation : Account Verification : Original contract/agreement bearing my signature.

Complete payment history ( including dates/amounts ).

Charge-off date and amount ( if applicable ).

Proof of ownership/assignment of the debt ( if transferred ).

Metro 2 Compliance : Current status code and reason for closure ( if applicable ).

Date of last payment and balance history.

Hard Inquiry Validation : Evidence of permissible purpose under 1681b for any inquiries.

III. Legal Basis for Request A. Fair Credit Reporting Act ( FCRA ) 1681e ( b ) : You must maintain " reasonable procedures '' to ensure maximum accuracy.

1681i ( a ) : Requires a 30-day reinvestigation and correction of inaccuracies. 
XXXX XXXX XXXX XXXX ( XXXX ) : Reinvestigations must be thorough, not superficial. 
XXXX XXXX XXXX XXXX ( XXXX ) : Inaccurate hard inquiries harm creditworthiness. 
B. Fair Debt Collection Practices Act ( FDCPA ) 1692g : Debt validation must include creditor name, amount, and verification rights.

1692e : Prohibits false/misleading representations about debt status.

C. Texas Laws Finance Code Ch. 392 : Prohibits deceptive debt collection practices.

Civil Practice & Remedies Code 16.004 : Enforces a 4-year statute of limitations on debt claims.

D. CFPB Regulation F ( 12 CFR 1006 ) 1006.34 : Requires clear validation notices and dispute resolution procedures.

IV. VALIDATION CHECKLIST A. Financial Documentation Forensic audit of the alleged balance ( CFPB Regulation F, Appendix B ).

Proof of no post-SOL interest/fees.

B. Data Compliance AES-256 encryption logs ( GLBA 6802 ).

Debt collector data-sharing contracts.

C. Credit Reporting Metro 2 " XB '' dispute code ( XXXX XXXX XXXX XXXX, XXXX ). 

E-OSCAR investigation audit trail.

V. Demand for Action Immediate Correction : Remove or correct all inaccuracies within 30 days.

Documentation : Provide all requested records within 15 days.

Confirmation : Send a written report of findings and actions taken.

Failure to comply will result in : Formal complaints to the CFPB, FTC, and Texas Attorney General.

Legal action for willful noncompliance under 1681n ( up to {$1000.00} per violation + punitive damages ).

VI. Declaration I certify under penalty of perjury that this dispute is made in good faith. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau | Federal Trade Commission | Texas Office of Consumer Credit Commissioner Key Legal References XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Regulation F )

Company response to consumer: Closed with explanation