Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I am filing this complaint against OneMain Financial for continued inaccurate, misleading, and unverifiable credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws. Despite multiple prior disputes and escalation attempts, OneMain Financial continues to report an account that is materially inaccurate, incomplete, and inconsistent across key reporting fields. Specifically, the account is being reported as a closed charge-off installment loan, yet the data fields contain contradictory and misleading information. The reporting reflects an unknown original creditor, which is a direct violation of XXXX compliance standards. If OneMain Financial is in fact the original creditor, then failing to properly identify itself renders the account incomplete and deceptive. Additionally, the account continues to report a past due balance of {$5000.00}, despite being marked as closed and charged off. This creates internal inconsistencies within the reporting and misrepresents the true status of the account. Under XXXX guidelines, account status, balance, and payment fields must be accurate and consistent. This is not the case here. Furthermore, the payment history reflects multiple delinquency codes that have not been validated with any supporting documentation. I have repeatedly requested verification, yet OneMain Financial has failed to provide : The original signed loan agreement A complete payment history ledger A validated delinquency timeline The charge-off calculation Documentation used during prior investigations Their failure to provide this documentation confirms that the account is unverifiable and should not be reported. Under federal law, furnishers are required to maintain and provide documentation supporting the accuracy of any information they report. Their continued reporting without such documentation is a violation of : FCRA 1681s-2 ( b ) Duties of furnishers after dispute FCRA 1681e ( b ) Maximum possible accuracy FCRA 1681i ( a ) Reasonable reinvestigation requirements Additionally, I have reason to believe my personal information has been compromised, as I was impacted by the XXXX data breach, raising serious concerns about the integrity and legitimacy of the data being used to verify this account. Beyond OneMain Financial, I am also dealing with questionable account activity from XXXX, including a past due balance and billing inconsistencies that raise concerns about accuracy and validation of the debt. The account shows a balance of {$170.00} with late fees and prior balances, yet no proper validation or contract has been provided to substantiate this obligation. This pattern of reporting across multiple accounts strongly suggests systemic failures in verification procedures and compliance with federal law. I have already disputed these inaccuracies multiple times, yet the inaccurate information continues to be reported without correction. This demonstrates a willful disregard for my rights as a consumer. REQUEST FOR RESOLUTION I am requesting that the CFPB enforce the following actions : Immediate deletion of the OneMain Financial account from all credit reporting agencies due to : Inaccurate reporting XXXX compliance violations Failure to verify Full investigation into OneMain Financials reporting practices and dispute handling procedures. Validation or removal of the XXXX account, including all supporting documentation proving : Contractual obligation Billing accuracy Proper ownership of the debt Confirmation that all unverifiable, inaccurate, or misleading data has been permanently removed from my consumer reports. FINAL STATEMENT This matter has already been escalated multiple times. The continued reporting of inaccurate and unverifiable information constitutes willful non-compliance with federal law. If this issue is not resolved promptly, I am prepared to pursue further action through : Federal Trade Commission ( FTC ) State Attorney General Civil litigation for damages under the FCRA I expect a full and complete resolution without further delay.

Company response to consumer: Closed with explanation