Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: FL

Complaint narrative:
The accounts in question, being reported by SELF/XXXX  XXXX XXXX XXXX consumer report for XXXX XXXX XXXX is the direct result of identity theft. The fraudulent accounts is a credit card with a credit limit of XXXX XXXX  opened on XX/XX/XXXX. As well as a loan in the amount of XXXX XXXX  opened XX/XX/XXXX. I have submitted an Identity Theft Report and attached it with this CFPB complaint. The continued furnishing and reporting of this account violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and federal regulations. I noticed these fraudulent accounts on my consumer report just recently after I opened a secured loan account with SELF LENDER in XX/XX/XXXX in the amount of XXXX XXXX  this account opened on XX/XX/XXXX is not fraudulent and is the ONLY account I have with SELF.

Under 15 U.S.C. 1681 ( b ), consumer reporting agencies must : Adopt reasonable procedures which are fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information XXXX XXXX XXXX XXXX are in violation of this section by continuing to report an account that I have clearly identified as fraudulent.

Exclusions under 1681a ( d ) ( 2 ) ( A ) ( i ) Reports containing information solely related to transactions between the consumer and the reporting entity may be excluded.

SELFXXXX XXXX is reporting late payments and transaction history on a fraudulent account I did not open. These are unauthorized transactions and constitute identity theft. 

I did not authorize or consentverbally, impliedly, or in writingto SELF/XXXX XXXX , XXXX XXXX XXXX to report this account or any related information. This is a clear violation of FCRA 1681b.

Block of Identity Theft Accounts - 15 U.S.C. 1681c-2 This section requires consumer reporting agencies to block identity theft-related information within 4 business days upon receiving : 1. Proof of identity 2. Identity Theft Report 3. Statement of dispute 4. Identification of the fraudulent information I have already submitted all of the above to XXXX XXXX, and XXXX. They are in violation of federal law for failing to block the fraudulent SELF/XXXX  XXXX account. 


Definition of Identity Theft - 12 CFR 1022.3 Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Any unauthorized or fraudulent item on my report that was added without my written consent may legally be considered identity theft.

Under 15 U.S.C. 1681n ( Willful Noncompliance ) : If the violations were committed knowingly : I am entitled to {$100.00} {$1000.00} per violation Plus actual damages and potentially punitive damages Under 15 U.S.C. 1681o ( Negligent Noncompliance ) : If done negligently, the parties are still liable for actual damages These provisions will apply if XXXX XXXX, and SELF/XXXX XXXX fail to correct the reporting after being notified through this CFPB complaint.

Violations by Furnisher 15 U.S.C. 1681s-2 SELF/XXXX XXXX, as a furnisher of information, must not report inaccurate data if : They have actual knowledge or reasonable cause to believe it is inaccurate They are notified by the consumer and the info is, in fact, false I have notified them through this complaint, satisfying both conditions. They must cease all reporting immediately. 

If these parties continue to report this fraudulent account, after full notice and evidence provided, it will constitute willful noncompliance under the FCRA, and I will pursue civil action to recover statutory and actual damages.

Company response to consumer: Closed with explanation