Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
The account reported by Self XXXX XXXX XXXX XXXX was a secured loan opened on XX/XX/XXXX, with an original balance of {$530.00}, and a XXXX term. 
The account was paid in full and closed in XX/XX/XXXX. 
Before my recent dispute, this tradeline was already marked Paid, Closed, with no balance, no payment due, and no new activity since XXXX. The payment history showed XXXX XXXX late in XX/XX/XXXX and otherwise current prior to closure. 
WHAT HAPPENED AFTER DISPUTE I recently disputed this account with XXXX  to verify its accuracy. 
After the reinvestigation, XXXX  updated the item to show Updated from processing of dispute in XX/XX/XXXX. 
However : No changes or corrections were made to the data. 
The tradeline is now incomplete ( no balance, no high balance, no payment history details ). 
It still shows the same XXXX late from XX/XX/XXXX even though the account was paid and closed over XXXX years ago. 
XXXX  did not provide any method of verification, source disclosure, or documentation supporting this update. 
This makes it appear that the account was recently active or re-verified, which is false and misleading. The reporting was re-aged to show an update date in XXXX even though the account has not existed since XXXX. 
LAWS VIOLATED Fair Credit Reporting Act ( FCRA ) XXXX ( A ) ( XXXX ) Duty to maintain fair and accurate credit reporting. 
XXXX ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 
XXXX ( a ) ( XXXX ) - ( XXXX ) Failure to disclose the source of the information and verification data upon request. 
XXXX ( a ) ( XXXX ) ( A ) Failure to properly reinvestigate disputed information within 30 days. 
XXXX ( a ) ( XXXX ) ( A ) Duty to promptly delete unverifiable information. 
XXXX ( a ) ( XXXX ) ( B ) ( iii ) Failure to provide a full XXXX of XXXX ( name, address, and contact of entity verifying ). 
XXXX ( a ) ( XXXX ) ( A ) Furnisher ( Self / XXXX XXXX ) provided inaccurate or incomplete information to the CRA. 
XXXX ( b ) ( XXXX ) Furnisher failed to conduct a reasonable investigation after being notified of the dispute. 
Fair Debt Collection Practices Act ( FDCPA ) XXXX ( XXXX ) False representation of credit information by re-aging or misrepresenting the timing/status of an account. 
XXXX ( XXXX ) XXXX of deceptive means to mislead consumers regarding the accuracy or activity of a closed account. 

This incomplete and re-aged reporting makes it appear as if I have recent derogatory activity, lowering my creditworthiness and misrepresenting my payment history to potential lenders. 

In addition, XXXX  and Self / XXXX XXXX violated the privacy and data protection provisions of XXXX XXXX. XXXX ( b ) by re-accessing and re-reporting my information without permissible purpose, contrary to Title XXXX and Title XXXX XXXX privacy standards TRUTH IN LENDING ACT ( TILA ) TITLE XXXX XXXX. XXXX Failure to maintain proper documentation of the original credit obligation and furnish accurate reporting of lending terms constitutes a breach of fair lending definitions and disclosure obligations under XXXX. 

I am requesting immediate deletion of this tradeline from my XXXX XXXX XXXX XXXX credit reports and an audit of XXXX  reinvestigation process.

Company response to consumer: Closed with explanation