Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Your company SELF FINANCIAL is in clear violation of the FCRA for reporting inaccurate transactional data on my credit report that is not in XXXX and failure to correct the following errors will result in pursuit of litigation on behalf of each inaccuracy. 

I dispute SELF FINANCIAL/LEAD BANK Account Number Listed : XXXX The payment history and balance of the account is inaccurate. My report states the last payment made to your company was on ( XX/XX/XXXX ) but the transactional history shows ( XX/XX/XXXX ) and the following month of ( XX/XX/XXXX ) was paid on time. 9 unverified late transactions are furnished without any bank statements on this closed account that the remaining balance of {$130.00} was paid off. This account should be showing no late payments and {$0.00} balance. 

This account is showing 9 late remarks furnished without any statements from you pursuant to ( XXXX ) kindly update these late transactions to paid as agreed with no balance or remove this entire account you furnished on my reports immediately. 
Payment history makes up 30 % of my score and any errors or inaccuracies furnished on my consumer report can damage my livelihood or ability to obtain credit, so it is very important that you uphold your morals as a consumer reporting agency and fix any inaccuracies I send to your business via certified mail as the LAW demands removal. 
Your company also failed to furnish a notice of dispute in the comments within 30 days of my first initial dispute of this account sent to you on ( XX/XX/XXXX ) which is another violation of FCRA623 ( A ) that states it is a requirement. It has been over 150 days since such notice. 



YOUR COMPANY HAS VIOLATED THE FOLLOWING CODES OF THE FCRA AND SHALL BE LIABLE 15USC 1666 ( b ) states creditors can not report a LATE REMARK unless they mailed a statement received by the consumer containing information from 15USC 1637 ( B ), 21 days before the LATE REMARK was reported. Please provide me with each statement you allegedly mailed me before the 9 late remarks were reported on my reports by your company. 15USC 1666 ( b ) CLEARLY STATES - ( a ) TIME TO MAKE PAYMENTS- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

According to this section of the LAW 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; My transactions to ANY creditor are EXCLUDED from my consumer report - the FCRA states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include all transactions or experiences between the Consumer and the company reporting. 

This violation of 15USC 1681a ( 2 ) ( a ) ( i ) alone, justifies the deletion of these remarks from my report because the law clearly states my transactions or experiences are excluded and need to be updated. 

Failure to update the transactions described will result in pursuit of litigation on behalf of these inaccuracies found in my consumer report that must be corrected IMMEDIATELY due to violations of the following : 15USC1666 ( B ) - 15USC1637 15USC1681a ( 2 ) ( a ) ( i ) 15USC1681 ( a ) 5 15USC1681 ( e ).

Company response to consumer: Closed with explanation