Consumer complaint received 2025-06-27 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: Self Financial Inc.
State: NC

Complaint narrative:
I reviewed all three of my credit reports and identified a tremendous number of fcra violations. According to the FCRA, this is a violation of the FCRA laws therefore, with the proof that I have attached, the creditor is required to delete this account from credit reports due to violating FCRA guidelines. 

On the attached documents, I have highlighted the areas of this discrepancies on all three credit reports. 

In Experian it shows a ton of inaccuracies with the account payment status! From JXXXX XXXX XXXX it shows a pattering of the account being XXXX, XXXX, days past due. 
From XXXX XXXX XXXX it shows another pattern of the account being XXXX, XXXX, XXXX XXXX past due. Then in XXXX and XXXX of XXXX it shows the account to be XXXX XXXXXXXX  past due! 
From XXXX XXXX XXXX  its reporting NO DATA! Then on XX/XX/XXXX it reports as a charge off! this is a fcra violation!! 

After XXXX XXXX a account is considered to be reported as a charge off. 

On Experian and transuniion it is reporting that the last payment they received was XX/XX/XXXX. 
However, if you view the payment history that they are reporting on Experian, it shows the last payment received was XX/XX/XXXX and that the acct was XXXX XXXX PAST DUE IN XXXX XXXX this is a fcra violation!!! 


Therefore the account was charged off before XX/XX/XXXX. However, the creditor has proceeded to report inaccurate information. Which has affected my payment history on my overall credit. The creditor has failed to provide accurate information or proof on what they have been reported to the credit bureaus for the past XXXX. 
I contacted all three credit bureaus and had them go over my payment history from the dates that I provided, and they all stated that this was the information that self lender reported. 

On the credit reports it is showing the last payment received was XX/XX/XXXX however, it shows that the account was XXXX XXXX past due and then XXXX XXXX past due in XX/XX/XXXX and then charged off in XX/XX/XXXX! 

In XXXX of XXXX its reporting no data! 

From XXXX XXXX XX/XX/XXXX the creditor is Repeatedly reporting the acct as a charge off every month.Therefore every time the account updates the statute of limitations is extended, in which makes the account look newer than it is! This is illegal and A FCRA violation!! This is affecting my overall payment history and credit rating!!! 

On transunion its reporting NO DATA PAYMENT STATUS FROM XXXX XXXX XXXX 

On Equifax it shows negative payment history from XXXX XXXX XX/XX/XXXX. 
It shows NO DATA from JXXXX XXXX XXXX 

For the WHOLE YEAR OF XXXX it shows NO DATA!!!! 

Consumer Financial Protection Bureau Complaint Case # XXXX the creditor also provided more inaccurate information on their response! On their letter of response, it states that the last payment received was XX/XX/XXXX and the account was closed XX/XX/XXXX. However, on the credit reports its showing conflicting information. 

On Experian it shows NO DATA FROM XXXX XXXX XXXX 
On Equifax it shows NO DATA FOR THE WHOLE YEAR OF XXXX! 
On transunion it shows On the letter response and creditor also proceeded to say that they they do not have control or how the Account reports to the credit bureau which is also fraudulent information because I spoke to XXXX XXXX and all three credit bureaus and was informed that they report the tradeline information based on the information that is provided to them directly From the creditor! Each credit report has different features and layouts however, the payment history, the account status the dates and details should all reflect the same information!!!!! 

These are all FCRA violations!!!! And which is affecting my overall credit profile and credit history! 

Section 623 of the FCRA and Regulation V states that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete! 

I have attached supporting documents to support these violations!!! 

Therefore, I am requesting for the account to be deleted from all credit reports due to the creditor, violating the FCRA laws and consumer rights! I have reached out to e- XXXX, and they have stated that the creditor would need to submit request to them directly for the account to be deleted!!

Company response to consumer: Closed with explanation