Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Self Financial, Inc. / Lead Bank XXXX XXXX XXXX XXXX  XXXX, MO XXXX Subject : Formal Demand for Full Validation, Original Documentation, and Sworn Affidavit Account Ending XXXX To Whom It May Concern : This letter serves as formal Notice of Dispute and Demand for Full Validation and Sworn Verification regarding the alleged account reported by Self Financial / Lead Bank under account number ending XXXX, pursuant to the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq. 

I dispute the validity, ownership, and accuracy of the above-referenced account as it pertains to my personal identifying information. 

Notice of Identity Compromise : I am a confirmed victim of the XXXX  Data Breach, which compromised my personally identifiable information ( PII ) through no fault of my own. 

Equifax is inaccurately reporting my name as " XXXX XXXX XXXX '', an error that directly impacts the reliability of any associated accounts. 

Due to the documented compromise, any alleged electronic application, digital signature, or online account opening is inherently suspect and subject to rescission and challenge. 

Demand for Full Validation and Proof Under Penalty of Perjury : Accordingly, I hereby formally demand that Self Financial / Lead Bank provide the following within fifteen ( 15 ) calendar days of receipt : A copy of the original account application bearing my wet-ink ( handwritten ) signature not an electronic signature ; A sworn affidavit under penalty of perjury from an authorized officer of Self Financial / Lead Bank attesting : That they have personal knowledge of the accounts origination, That they reviewed the original application documents bearing my signature, That the account was lawfully initiated with my full, informed, voluntary consent, and That the reported account activity is accurate, complete, and verifiable to the best of their knowledge, under penalty of perjury ; Copies of all original documents relied upon to verify my identity and open the account, including identification used, application date, IP address, device ID, and geolocation data ; Copies of all billing statements reflecting all charges, credits, payments, and fees from the alleged inception of the account ; Full transaction history with dates, descriptions, and amounts ; Documentation evidencing permissible purpose to access and furnish my consumer report information under FCRA 1681b ; A copy of all communications and records pertaining to any dispute or account investigation activity to date. 

Notice Regarding Electronic Signatures : Given the known compromise of my identifying information through the Equifax breach, any alleged electronic consent or electronic signature is deemed legally unreliable, inadmissible, and invalid absent : Clear, documented, and unrefuted evidence of identity authentication, Informed consent compliant with the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act, 15 U.S.C. 7001 et seq. ).

Failure to provide original wet ink documentation renders any reliance on electronic signatures invalid under law.

Failure to Comply : Failure to provide the above-requested original documentation and sworn affidavit will constitute : Willful noncompliance with FCRA 1681s-2 ( b ), Willful misrepresentation under 15 U.S.C. 1681n, Negligent violation of consumer rights under FCRA 1681o, Breach of duty under the Privacy Act of 1974, Potential common law claims for negligent furnishing of information and defamation of character. 

In the absence of full validation and proof within the allotted timeframe, I demand the immediate permanent deletion of all reporting associated with this alleged account from all consumer reporting agencies. 

Continued furnishing of unverifiable information will result in immediate escalation through formal arbitration demands, regulatory complaints to the Consumer Financial Protection Bureau ( CFPB ), and legal claims for statutory, actual, and punitive damages. 

Summary of Demands : Full production of original wet-ink signature documents, Full production of all supporting account documentation, A sworn affidavit under penalty of perjury from an authorized officer, Deletion of the account if unable to comply fully within fifteen ( 15 ) days. 

I reserve all rights, remedies, and causes of action at law and in equity. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation