Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate, unverifiable, and harmful reporting by SELF/SOUTHSTATE BANK on my consumer credit report.

Below is the exact account that is being falsely reported : Creditor : SELF / SOUTHSTATE BANK Account Number : XXXX Account Type : Secured Card Status : Paid, Closed Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Issue : Reporting a 30-day late payment, reporting information after closure, and failing to provide proper verification.

1. The Reported Delinquency Is Inaccurate & Unverifiable The credit report shows a 30 Days Late mark in XX/XX/XXXX, even though the account : Was a secured card backed by my own funds Was never actually delinquent Was paid and closed Shows no evidence of a missed payment Has no provided documentation from the furnisher Under federal law, Self/SouthState must have real evidence of delinquency, such as billing records or payment logs.

They have provided none despite multiple disputes.

This is a violation of several statutes.

2. FCRA Violations ( Fair Credit Reporting Act ) SELF/SOUTHSTATE BANK and the credit bureaus are violating : FCRA 602 ( A ) consumer information must be accurate FCRA 607 ( b ) furnishers must ensure maximum possible accuracy FCRA 611 ( a ) right to a proper reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) reinvestigation must be reasonable FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information MUST be deleted FCRA 623 ( a ) ( 1 ) ( A ) illegal to furnish inaccurate information FCRA 623 ( a ) ( 2 ) must update and correct incorrect data FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) furnisher must provide proof during reinvestigation SELF/SOUTHSTATE BANK has provided no proof of the alleged XX/XX/XXXX late payment.

Therefore, the information is unverifiable, and by law, it must be deleted.

3. FACTA ( Fair and Accurate Credit Transactions Act ) Because the creditor did not provide sufficient verification of payment history, the tradeline violates : FACTA 312 inaccurate or unverifiable data must be corrected or deleted FACTA identity theft & dispute provisions require documented proof for derogatory items Without a record of delinquency, reporting a late payment is unlawful.

4. FDCPA ( Fair Debt Collection Practices Act ) ( Applies because the account was closed and later handled through third-party processing ) FDCPA 807 ( 2 ) ( A ) false representation of the amount or legal status of a debt FDCPA 807 ( 10 ) deceptive practices FDCPA 809 ( b ) failure to validate information Reporting a late payment without evidence misrepresents the legal status of the account.

5. GLBA & Data-Security Law Violations ( Since SELF has had multiple data-handling breaches over the years ) Gramm-Leach-Bliley Act, 15 U.S.C. 6801 ( b ) duty to protect consumer data Privacy Act 552a ( e ) ( 10 ) requires accuracy and security of consumer information If billing records or account documentation are missing or incomplete due to data-handling issues, the information can not legally be reported.

6. What I Am Requesting from the CFPB I request that the CFPB require Self/SouthState Bank and the credit bureaus to : 1. Permanently DELETE the SELF/SOUTHSTATE BANK tradeline because : It is closed The furnisher can not verify the alleged delinquency Reporting contradicts their own account history It violates multiple federal statutes It causes ongoing and unjust financial harm 2. Provide documented proof ( not a generic verified response ) of : Billing statements Payment logs Notices of delinquency Any proof supporting the XX/XX/XXXX 30-day late mark 3. Correct all credit bureau reporting immediately 7. Harm Caused to Me Due to this inaccurate reporting, I have suffered : Lower credit scores Higher interest rates Denials of credit Difficulty obtaining housing/financing Stress and emotional distress A single false late payment on a closed secured account severely impacts my creditworthiness.

Conclusion Under FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be fully verified MUST be deleted.

The SELF/SOUTHSTATE BANK account is : Closed Unverifiable Reported improperly Contained inaccurate derogatory information Therefore, permanent deletion is the only lawful resolution.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation