Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Rebuttal to OneMains XX/XX/XXXX Response OneMains XX/XX/XXXX letter does not substantively address the violations I raised in my XX/XX/XXXX final demand letter and my bonding/licensing inquiry. Instead, OneMain issued a blanket denial and attached only my loan agreement and a limited transaction history. Their reporting continues to violate multiple federal and state statutes : Discrepancies in OneMains Own Documentation : The transaction history OneMain attached to its XX/XX/XXXX response shows a P & L Charge-off on XX/XX/XXXX with a remaining balance of {$11000.00}, yet the cover letter claims I owe {$13000.00}. OneMain has not itemized where the additional {$1500.00} came from. The ledger also shows multiple payment reversals, repeated {$15.00} late charges with no clear disclosure, and ambiguous security interest markings. Additionally, the loan agreement cites the XXXX  XXXX XXXX XXXX even though I reside in XXXX, raising licensing/bonding issues. Finally, OneMain admits its transaction history is not an official business record and XXXX contain errors. These discrepancies directly contradict their claim of accuracy and compliance and support my request for deletion or full correction of the tradeline. 


Misreporting Charge-Off With Balance ( FCRA 1681e ( b ) ; Metro 2 ) : My credit reports show both a charge-off and a past-due balance of {$13000.00} simultaneously. This is inaccurate and misleading and violates the FCRAs requirement to furnish data with maximum possible accuracy and Metro 2 guidelines on reporting charge-offs. OneMain gave no explanation for this double reporting.

Inflated and Unverified Balance ( FCRA 1681s-2 ( a ) ( 1 ) ; FDCPA 807 ( 2 ) ( A ) ; TILA ) : The balance increased from {$12000.00} to {$13000.00} without any payment activity or itemized validation. OneMain only offered a general statement that the balance includes interest and fees, but refused to supply a complete itemized ledger. 

Re-Aging the Date of First Delinquency ( FCRA 1681c ( a ) ( 4 ) ) : OneMain reset the date of status from XX/XX/XXXX to XX/XX/XXXX, artificially extending the reporting period. Their response ignored this re-aging violation completely. 

Improper Monthly Charge-Off Reporting ( FCRA 1681s-2 ( a ) ; Metro 2 ) : OneMain continues to report a recurring CO status for over 26 months, falsely implying ongoing new derogatory activity each month. Their response ignored this practice. 

Failure to Flag the Account as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ; 1681i ( a ) ( XXXX ) ( A ) ) : OneMain did not confirm that the full tradeline is marked as consumer disputes with all credit bureaus, depriving scoring systems of this crucial information. 

Lack of Transparency & XXXX  XXXX ( XXXX XXXX XXXX ; XXXX  Deceptive Trade Practices Act ) : OneMain failed to provide full disclosure or itemization of charges, interest, and fees, and ignored my inquiry about bonding/licensing requirements under XXXX  XXXX XXXX 

These omissions leave inaccurate and incomplete information on my credit reports, causing ongoing harm including denial of credit, higher rates, and reputational

Company response to consumer: Closed with explanation