Consumer complaint received 2025-05-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial You are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

XXXX U.S. Code XXXX Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is accurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : the action of forbidding something, especially by law. 

You are inaccurately reporting a charged off to my consumer file but I never received a XXXX. The IRS stats Form XXXX must be filed regardless of whether the debtor is required to report the debt as income. 

You are inaccurately updating an account monthly deemed written off as the remarks on my credit report. 

Updating this account monthly and reporting this account to the IRS is a violation you can NOT do BOTH you are in violation of the FCRA. 

XXXX U.S. Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also there is a balance and a past due balance this is a violation of the FCRA a charged off account should not be reporting a past due balance especially if the balance was charged off. 

The IRS stats XXXX XXXX XXXX XXXX of debt for each debtor for whom you cancelled a debt owed to you of XXXX $ or more. 

The IRS stats even if you did not receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS stats The lender must file Form XXXX and send you a copy of the amount of the debt canceled is more than XXXX $ or more and the lender is a financial institution, credit union, federal government agency or other applicable entity. 

The paragraph above is taken directly from the IRS publication. 

I demand you send me my Form XXXX that you are obligated to send me when you filed the account as a charged off debt. 

XXXX USC XXXX says you ONEMAIN are a furnisher of information to a consumer reporting agency. 
You are PROHIBITED BY LAW to report incorrect information I demand you to Cease and Desist the reporting of inaccurate information. 

XXXX USC XXXX ( a ) ( XXXX ) ( A ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The IRS clearly states a Charge off is income the reporting of this account is inaccurate information. The XXXX major credit agencies should not be reporting income to my consumer report that you furnished such too you are in violation. 

XXXX U.S. Code XXXX - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX U.S. Code XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX U.S. Code XXXX - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief