Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self Financial /Lead RE : IMMEDIATE DEMAND FOR FULL DISCLOSURE AND REMOVAL OF INACCURATE REPORTINGACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal demand under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C . 1681g ), Uniform Commercial Code ( UCC ) Article 9-210, Generally Accepted Accounting Principles ( GAAP ), ASC 310 , and ASC 860 . You are hereby required to provide full and complete disclosure of the following : All GAAP-compliant financial records pertaining to my alleged account, including any transactional history, proof of funding, and ledger entries proving an actual financial loss on your part. 
All documents under UCC 9-210, including an authenticated accounting of the obligation and any security interest claimed. 

ASC XXXX and XXXX XXXX records, detailing the origination, sale, or securitization of any alleged debt associated with this account. 

The original wet-ink signed contract and/or application, proving my consent and agreement to the terms alleged. Photocopies, electronic signatures, or facsimiles are NOT acceptable. 

Any original promissory note, negotiable instrument, or agreement containing my wet-ink signature or thumbprint. 

Proof of an actual loan extended, demonstrating that you suffered a financial loss or provided lawful consideration under contract law. 

If you can not provide all of the requested documentation, it is deemed that you have no lawful claim against me, and the alleged account must be immediately removed from all consumer reports within XXXX ( XXXX ) days of receipt of this notice. Failure to comply will result in daily damages of {$1000.00} per day, commencing on the XXXX day, until full compliance is achieved. 

Additionally, continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting you to additional statutory, compensatory, and punitive damages, including but not limited to litigation and arbitration claims against your company. 

Furthermore, I will be hiring an independent audit company to thoroughly investigate this account. It is evident that you do not own the rights, title, or contract associated with this alleged debt, and your continued reporting is fraudulent and without proper authority. If you fail to remove this account, the audit will expose your deceptive practices, and you will be held legally accountable. 

This is a final demand. I am giving you the opportunity to remove this account without the necessity of a lawsuit. However, if full compliance is not met within XXXX ( XXXX ) days, I will pursue all available legal remedies, including formal complaints withthe Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), as well as civil litigation. 

Failure to respond in good faith constitutes agreement to the terms outlined herein. You are required to respond with the requested documents in their original form within the specified time frame. Any further reporting of this account without lawful verification will be treated as an attempt to defraud and defame me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation