Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: DC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Self Financial, Inc. 
Attn : Compliance Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Validation and Permanent Deletion of Inaccurate Credit Reporting Account Name : SELF FINANCIAL/XXXX Account Number XXXX  XXXX ( partial for privacy ) NOTICE OF DISPUTE AND DEMAND FOR PROOF UNDER FEDERAL LAW Dear Self Financial Compliance Department , This letter serves as my formal dispute and request for validation regarding the above-referenced account, which your company has reported to XXXX as charged off with a balance of {$210.00}, and past due as of XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and Title 15 of the U.S. Code 1666 ( b ), I am asserting my rights to require complete verification and substantiation of this accounts legitimacy and accuracy.

Alleged Violations & Grounds for Dispute 1. Unverified Ownership/ Incomplete Reporting : Your company has reported this account as charged off, yet the record does not identify a successor or purchaser. If the account has been sold, Self Financial no longer has authority to furnish data to any consumer reporting agency. If not sold, you must show lawful documentation establishing that the debt remains with you and that the reporting is accurate and complete. 
2. Failure to Provide Original Contract with Live Signature : Under 609 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to review the original, wet-ink signed contract or electronic equivalent bearing my consent to the account terms. Merely providing statements or screenshots does not constitute verification under federal law.

3. Potential Inaccuracy and Duplicative Reporting : If this alleged account or balance has been assigned or sold to another entity, simultaneous reporting by both parties violates 607 ( b ) of the FCRA, which requires maximum possible accuracy.

4. Failure to Provide Required Notice of Charge-Off : There is no evidence that you properly notified me of the charge-off in writing, as required under the Equal Credit Opportunity Act and federal banking regulations prior to derogatory reporting. 



Required Actions Within 30 days of receipt of this notice, please provide all of the following : 1. A copy of the original signed credit agreement or digital application bearing my name and signature.

2. Full payment history from account opening to closure.

3. Documentation of any assignment, sale, or transfer of ownership ( if applicable ).

4. Verification of the charge-off date and accounting ledger showing how the alleged balance of {$210.00} was calculated.

5. A copy of the notice sent prior to reporting the charge-off to XXXX  or any other credit bureau.

If you are unable to fully verify and substantiate this account with the above documents, you are required by FCRA 623 ( a ) ( 1 ) ( A ) to immediately delete all related information you have furnished to any credit reporting agency, and to cease all collection or reporting activity. 



Notice of Intent If you continue to report unverifiable, inaccurate, or incomplete information to any credit reporting agency, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Submit a grievance to the XXXX XXXX XXXX XXXX XXXX XXXX and Office of the Attorney General, and Pursue all available remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

This letter serves as official notice under federal law. Any continued reporting without full verification constitutes a knowing violation of the FCRA and FDCPA. 



Certification I certify that the information contained in this correspondence is true and correct to the best of my knowledge. Please respond in writing within 30 calendar days of receipt of this notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation