Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am disputing an account reported by Foursight Capital that appears on my credit report. I previously requested that Foursight provide a complete copy of the original, signed credit agreement ( including my wet signature ) and any supporting documentation to verify that this account is valid.

Instead of providing the required signed contract, Foursight sent me incomplete documents that do not contain my signature or the necessary legal disclosures. This does not satisfy their obligation under the Fair Credit Reporting Act ( FCRA ) to substantiate the accuracy of the information they are furnishing to the credit bureaus. 

Because they failed to provide proof that this account belongs to me, the information they are reporting is inaccurate and unverifiable. This is causing ongoing harm, including credit denials, higher insurance premiums, emotional distress, and missed financial opportunities. 

I am requesting that the CFPB investigate Foursight Capitals failure to produce proper verification, require the removal of this account from all consumer reporting agencies, and review whether this is a pattern of furnishing unverified information in violation of the FCRA. 

Foursight Capital, LLC They Ignored my complaints and disputes, I am following up to clarify that I had secured my own financing prior to engaging with XXXX XXXX XXXX. 

I clearly informed them that I was not applying for credit with them. 

I did not authorize a credit inquiry, and I did not sign a credit application. 

Foursight Capital, LLC stated Quote : Our records indicate that on XX/XX/XXXX, an individual identifying as you submitted a loan application through XXXX XXXX XXXX Used Cars in XXXX, XXXX. An application by a consumer for credit gives rise to a permissible purpose under the Fair Credit Reporting Act ( FCRA ) for a creditor to obtain the consumers credit report. When a consumer applies for credit, whether in person, by phone, by mail, or by electronic means, the FCRA authorizes the creditor to obtain the consumers credit report without requiring the creditor to obtain specific authorization from the consumer. When the individual submitted the application, they gave Foursight a permissible purpose to obtain your credit report.

Therefore, Foursight respectfully declines your request to delete the XX/XX/XXXX Foursight inquiry notation from your credit file. Attached is a copy of the application or application information you provided. 

Foursight, However did not provide the application with my signature or any other proof. This is what they sent me see attachemnt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foursight Capital, LLC is claiming permissible purpose based on a blanket clause in their paperwork, I assert that this was not valid consent under the Fair Credit Reporting Act ( FCRA ). Consent must be knowing and specific, and in this case, I expressly declined their credit services.

Permissible Purpose is Required ( FCRA 604 ) A company may only pull my credit report if they have a permissible purposesuch as evaluating my credit that I am actively seeking from them. I told them i was not applying for credit from them and had my own financing already arranged, they had no permissible purpose. 

Even if a credit pull clause was in the paperwork, that clause does not override my clear verbal ( and ideally written ) instructions. 
Contractual Clauses Can not Override Consent Many auto dealers include language in sales or test drive paperwork that gives them blanket permission to run creditbut that consent must still align with actual intent.

If I never signed a financing application with them, Or if I explicitly declined their financing services, Then they can not rely on that clause to justify the inquiry.

I Have the Right to Dispute In this situation, And I am disputing.. 
Dispute the hard inquiry with the credit bureaus I Demand documentation showing that you authorized the credit pull in my prior complaint XXXX I have proof and a witness that was with me that I told them not to pull my credit. 
I never signed a credit application. 
I had external financing in hand and documentation showing pre-approval. 

Also please note I had made a complaint with Cfpb back in XXXX of XXXX about XXXX XXXX XXXX and all other inquiries that came from them has be deleted off my credit report and they had to refund my deposit for misconduct which also means the contract is null void. 

Please provide proof of wet signatures and all other documents I have requested.

Company response to consumer: Closed with explanation