Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Dear XXXX  Dispute Team, I am writing to dispute the unauthorized reinsertion of a previously deleted and fraudulent account : OneMain Financial, account # XXXX, which has reappeared on my credit report without notification or justification. This account was initially removed following the submission of a valid FTC Identity Theft Report and a local police report, which you acknowledged and accepted during the original dispute process.

The reinsertion of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which explicitly requires that a consumer reporting agency provide written notice within
5 business days of reinserting any previously deleted information. It also requires the agency to certify the accuracy and completeness of the information prior to reinsertion. As of the date of this letter, I have not received any such notice or certification. 

In addition, I am demanding a complete and lawful reinvestigation of this account under 15 U.S.C. 1681i ( a ). As part of that process, you are legally obligated to provide the following : A detailed explanation of your method of verification, including the name and contact information of the individual or department at OneMain Financial who verified this account. 

All documentation received from OneMain Financial that you used to justify the reinsertion. 

Concrete proof, such as the original account application, my signature, government-issued identification, or any other legitimate documentation clearly linking me to this account. 

A full explanation of how this account was determined to be in compliance with the identity theft protections under 15 U.S.C. 1681c-2, which outlines the procedures for blocking information resulting from fraud. 

Mere verbal confirmation or vague assertions from the furnisher do not meet the legal threshold for verification. I demand concrete, document-based validation. Without it, the account must be permanently deleted and not reinserted under any circumstances. 

Additionally, I would like to draw your attention to XXXX recent legal actions and settlements, where the company was found to have violated consumers ' FCRA rights by reinserting or reporting unverifiable information without proper investigation or notification. Continuing this pattern of non-compliance may expose your agency to similar legal liability.

You are required to complete this reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, due to the severity of this matter and the prior documentation you have already received, I am demanding a response within 15 days of receipt of this letter. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider legal action for willful and negligent violations of the FCRA under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, punitive damages, and attorneys fees. 

Please send all correspondence to the address listed above. I expect your full compliance with federal law and immediate corrective action regarding this matter.

Company response to consumer: Closed with explanation