Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Description of the Issue : I am submitting this complaint against OneMain Financial due to multiple, repeated violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance guidelines, and failures related to identity verification, factual accuracy, and procedural response obligations. Despite numerous disputes, OneMain Financial has failed to respond properly or correct blatantly flawed and contradictory information reported to the credit bureaus. 



Violations and Grounds for Complaint : XXXX. Conflicting Dates and Reporting Inconsistencies FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ) XXXX  reports account closed on XX/XX/XXXX, whilXXXX XXXX reports the same account closed on XX/XX/XXXX Both report identical balances of {$13000.00}, exceeding the high balance of {$12000.00} a mathematical and legal impossibility XXXX  shows this account as charged off as bad debt in XX/XX/XXXX but fails to report any payment history XXXX shows a complete charge-off streak from XX/XX/XXXX through XX/XX/XXXX, contradicting XXXX reporting timeline XXXX  shows no tradeline at all for this account, despite being a national CRA These contradictions violate XXXXhe FCRAs requirement that information be accurate, consistent, and not misleading, and raise serious red flags about the legitimacy of this data. 



XXXX. Metro 2 Format Violations and Data Fabrication This account contains multiple indicators of Metro 2 reporting failures, including : No properly synchronized Date of First Delinquency ( XXXX ) No uniform closure codes, charge-off descriptors, or payment status logic XXXX  suppression of payment history while reporting a charge-off is non-compliant behavior, designed to obscure timeline analysis by consumers and regulators Payment history reported by XXXX shows over XXXX consecutive COs and still lists the account as charged off, yet no breakdown of payments or status evolution exists This is not only misleading but violates Metro 2 structural integrity , and it creates false negatives in scoring models used by lenders and insurers. 



XXXX. Failure to Verify Debt or Provide Documentation FCRA XXXX ( a ) Despite formal disputes submitted through XXXX, OneMain Financial has not produced : A signed agreement or application Billing statements or payoff summaries Evidence of notice of default Documentation showing how a {$12000.00} loan became a {$13000.00} charge-off I have no recollection of authorizing this account, and the lack of validation raises significant identity theft or unauthorized origination concerns. 



XXXX. Failure to Notify of Negative Reporting FCRA XXXX ( a ) ( XXXX ) At no point did OneMain Financial notify me in writing that negative information would be furnished to the credit reporting agencies. This notice is required by law prior to reporting derogatory information. 



XXXX. Absence of Legal Collection Activity and Charge-Off Legitimacy There is no court judgment, lawsuit, or collection proceeding recorded No XXXX cancellation of debt form has been issued No written communication showing the account was legally charged off or closed with proper accounting This suggests the charge-off may be premature, false, or fabricated, which constitutes a serious compliance breach and potentially fraudulent reporting. 



Harm Suffered : As a result of this inaccurate and unverified account, I have suffered : Denial of financing and credit extensions Increased interest rates due to suppressed scores Emotional distress, frustration, and loss of trust in reporting systems Substantial time spent disputing and defending my rights This harm is quantifiable and ongoing, directly attributable to OneMains negligent and reckless handling of this tradeline. 



Intent to Sue : If this tradeline is not deleted and properly addressed within a reasonable time, I intend to initiate legal proceedings under : FCRA XXXX for willful violations statutory damages up to {$1000.00} per violation, plus punitive damages and attorneys fees FCRA XXXX for negligent noncompliance actual damages and fees Texas Deceptive Trade Practices Act ( DTPA ) for misrepresentation and failure to act in good faith Emotional distress and consumer injury under relevant federal and state precedent

Company response to consumer: Closed with explanation