Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I am submitting this formal dispute to request that the account with ATL CAP BKXXXX ( Account Number : XXXX ) be updated to reflect Never Late status across all credit bureaus, due to several discrepancies that are preventing me from purchasing a home for my family. Below are the discrepancies that need to be corrected : Inconsistent Account Status Reporting : XXXX reports the account status as " Positive '', while XXXX lists it as " Negative '', and XXXX lists it as " Closed ''. This inconsistency causes confusion regarding the status of the account, and it is crucial that the information is aligned across all credit bureaus. 
Under FCRA Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and consistency of the information in consumer credit reports. The conflicting status reports violate this requirement and need to be corrected. 
Discrepancies in Account Type Reporting : XXXX lists the account as a Secured loan, while XXXX and XXXX do not include this detail. This inconsistency could affect how this account is viewed by lenders or creditors. Under FCRA Section 1681c, all information reported must accurately reflect the nature of the account. The discrepancy in account type reporting must be corrected to ensure transparency and avoid confusion in credit assessments. 
Discrepancy in Last Activity Date : XXXX and XXXX list the last activity date as XX/XX/year>, while XXXX lists it as XX/XX/year>. These discrepancies could affect the aging of this account, potentially impacting its removal or continued reporting. Under FCRA Section 1681c, negative information must be removed after seven years from the date of last activity. The conflicting last activity dates could result in incorrect aging, violating this regulation. 
Inconsistent Payment Status and Account Reporting : The account is reported with conflicting statuses between bureaus. XXXX lists the account as " Open '' and " Current '', while XXXX and XXXX report it as " Closed '' with varying payment statuses. This inconsistency misrepresents the accounts standing and could affect my creditworthiness. Under FCRA Section 1681i, when a consumer disputes information, it must be investigated and corrected if found to be inaccurate. The discrepancies in payment status across the credit bureaus suggest inaccurate reporting and should be rectified. 
Request for Never Late Update : If this account has been consistently paid and has not been late, I request that the account be updated to reflect " Never Late '' status across all bureaus. The discrepancies in reporting have led to negative consequences for my credit, which is preventing me from securing a mortgage for my family. 
Legal Reference : Under FCRA Section 1681i, consumers have the right to request corrections to inaccuracies. If the account is reported inaccurately or misleadingly, it should be updated to reflect " Never Late '' status.

Given these discrepancies, I respectfully request that this account be updated to reflect a Never Late status across all bureaus, and that any conflicting or inaccurate information be corrected to align across XXXX, XXXX, and XXXX. These errors are significantly affecting my ability to purchase a home, and I request that they be resolved promptly in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation