Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint regarding XXXX XXXX XXXX XXXX for reporting inaccurate, unverifiable, and incomplete derogatory information on my consumer credit files. These items violate the Fair Credit Reporting Act ( FCRA ), including, but not limited to, \S\S602, 607, 609, and 611. The inaccurate information is causing significant harm to my creditworthiness. Below is a complete list of the derogatory items appearing on my XXXX report dated XX/XX/XXXX, which also appear either identically or inconsistently across XXXX XXXX and XXXX 
XXXX. XXXX XXXX  ( XXXX ) A. XXXX XXXX XXXX Filed : XX/XX/XXXX XXXX XXXX. : XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX Filed : XX/XX/XXXX XXXX XXXX. : XXXX XXXX  : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX ISSUE : XXXX XXXX XXXX XXXX  has confirmed publicly that it does not furnish, report, or verify bankruptcy information to credit reporting agencies. This means the bureaus can not legally verify this information as required under FCRA \S611. As such, the reporting of these bankruptcies is unverified and must be removed. 
XXXX. XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX ISSUES : No required FDCPA \S809 validation notice was sent.

Reporting appears immediately without consumer notification.

Reporting contains incomplete and unverifiable data.

Debt validation has never been provided. 
3. DEROGATORY ACCOUNTS WITH INACCURATE REPORTING A. XXXX XXXX XXXX XXXX Charge-off, multiple XX/XX/XXXX day late marks, and listed as included in bankruptcy. 
Late payments appear reported AFTER the XXXX XXXXXXXX filing date, which is illegal. 
XXXX. Self Financial Charge-off with XXXX day late marks. 
Inaccurate aging and inconsistent reporting months. 
XXXX XXXX XXXX XXXX XXXX day late reporting. 
Multiple versions of this account appear with inconsistent data. 
XXXX XXXX XXXX Multiple XXXX entries that do not match my payment records. 
XXXX XXXX XXXX XXXX XXXX reporting that is inaccurate. 
XXXX XXXX XXXX / XXXX XXXXXXXX Listed as " Petition for XXXX XXXX XXXX '' but dates do not match the actual filing. 
XXXX Multiple Aidvantage/ Dept. of Education Accounts Duplicate reporting. 
Incorrect " included in bankruptcy '' designations. 
Inconsistent closure, transfer, and balance reporting. 
Possible double-reporting of the same loan groups. 
XXXX. SUMMARY OF VIOLATIONS XXXX XXXX XXXX XXXX XXXX are in violation of : FCRA : \S602 - Failure to maintain fair and accurate reporting \S607 ( b ) - Failure to ensure maximum possible accuracy \S609 ( a ) - Failure to provide source of information \S611 ( a ) - Failure to properly investigate disputes \S611 ( b ) - Failure to reinvestigate disputed items FDCPA ( XXXX XXXX XXXX  ) : \S807 - Misrepresentation \S809 - Failure to validate alleged debt 5. REQUEST FOR CFPB INTERVENTION I am requesting that the CFPB require XXXX XXXX XXXX XXXX XXXX  to : 1. Provide full source verification for each derogatory item listed.

2. Remove any information that can not be verified directly with the original furnisher.

3. Remove duplicate or inconsistent bankruptcy-related entries.

4. Validate the XXXX XXXX XXXX debt or remove it entirely. 
5. Provide corrected and updated copies of all three credit reports.

If the bureaus or furnishers can not verify these items with permissible documentation, they must delete them immediately in accordance with the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation