Consumer complaint received 2025-12-14 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 a formal rebuttal because Self Financials response does not address the core issues of my dispute, does not provide the legally required verification, and does not comply with FCRA 611 & 623. Their response contains factual inaccuracies, incomplete documentation, and fails to meet federal reinvestigation standards.

Below are the violations Self committed : 1. Self failed to provide required verification ( FCRA 623 ( b ) ).

Self claims the reporting is accurate but provided : NO billing statements NO payment ledger NO delinquency notices NO amortization schedule NO system logs NO calculations of delinquency NO original agreement NO timestamp/IP for e-signature ONLY Exhibit B ( two transactions ) This is not verification. A furnisher can not legally maintain a delinquency without comple
te records.

2. They did not provide the contract or electronic signature proof they claim exists.

Self references an electronically signed agreement but did not attach : the contract e-sign consent IP address device ID timestamp signature logs Claiming an agreement exists without providing evidence is NOT legally adequate.

3. They provided only two transactions ( Exhibit B ), not a full account history.

Exhibit B shows : {$12.00} admin fee {$1.00} ACH payment Nothing else. 

This is not a payment history, not a delinquency ledger, and not documentation for reporting late payments.

This violates FCRA 623 ( b ) ( 1 ) ( A ) ( B ).

4. The account was a secured credit builder loan, and Self admits the deposit paid the balance.

When a secured loan is satisfied by deposit : Delinquencies must be recalculated Furnishing must reflect the deposit payoff Late payments not proven by documentation must be deleted Self reports delinquencies WITHOUT documentation and AFTER the payoff an accuracy violation under FCRA 607 ( b ).

5. Self admitted the credit bureaus show different dates.

If XXXX, XXXX, and XXXX  show different : dates statuses delinquency periods This means the furnisher did NOT furnish consistent data. 

Under the FCRA : Inconsistent data is inaccurate. 
Inaccurate data can not be furnished.

This violates FCRA 602A, 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

6. Self failed to perform a meaningful reinvestigation ( FCRA 623 ( b ) ).

Their response is a template and does NOT address : any of the missing documents any of the inaccuracies any of the disputes raised any of the verification issues This violates : CFPB Regulation V FCRA 623 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FAIR RESOLUTION REQUESTED I am requesting that CFPB require Self to either : 1. Provide complete documentation, including : original contract full payment
ledger statements delinquency notices method of verification data used for furnishing proof of e-signature proof of each late payment OR 2. Delete the Self tradeline from all credit bureaus for failure to verify accuracy under FCRA 611 and 623.

Company response to consumer: Closed with explanation