Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX Self Financial , Inc. for inaccurate credit reporting and failure to properly investigate a disputed account that is being furnished to XXXX. 
The account number being reported is XXXX. It is listed as a bulk purchase finance account and is being reported as delinquent with late payment history. 
I formally disputed this account in writing under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1681, requesting lawful verification of the debt and proof of the companys authority to report and collect. Despite this dispute, the furnisher has continued to report negative information without providing any competent evidence that the account is accurate or enforceable.

The company has failed to provide a signed consumer agreement or promissory note, proof of consideration or lawful purpose, a collection or purchase agreement, a complete chain of title, or an accounting proving the accuracy of the amount reported. Without this information, the reporting can not be verified and should not be furnished to a consumer reporting agency.

By continuing to report late payments and delinquency without proper verification after notice of dispute, the company is failing to conduct a reasonable investigation and is furnishing inaccurate and unverified information in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681 and 1681s-2.

This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting that the CFPB require the company to either delete the account and all associated negative reporting from my credit report or provide full, lawful documentation proving their authority to report and the accuracy of the account. If they can not meet this burden, deletion is required.

I am retaining records of all disputes and responses and will pursue additional legal remedies if the inaccurate reporting continues. 

I am filing this complaint against XXXX for inaccurate credit reporting and failure to properly investigate a disputed account that is being furnished to XXXX. 
The account number being reported is XXXX. It is listed as a bulk purchase finance account and is being reported as delinquent with late payment history. 
I formally disputed this account in writing under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1681, requesting lawful verification of the debt and proof of the companys authority to report and collect. Despite this dispute, the furnisher has continued to report negative information without providing any competent evidence that the account is accurate or enforceable.

The company has failed to provide a signed consumer agreement or promissory note, proof of consideration or lawful purpose, a collection or purchase agreement, a complete chain of title, or an accounting proving the accuracy of the amount reported. Without this information, the reporting can not be verified and should not be furnished to a consumer reporting agency.

By continuing to report late payments and delinquency without proper verification after notice of dispute, the company is failing to conduct a reasonable investigation and is furnishing inaccurate and unverified information in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681 and 1681s-2.

This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting that the CFPB require the company to either delete the account and all associated negative reporting from my credit report or provide full, lawful documentation proving their authority to report and the accuracy of the account. If they can not meet this burden, deletion is required.

I am retaining records of all disputes and responses and will pursue additional legal

Company response to consumer: Closed with explanation