Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
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: NC

Complaint narrative:
I sent out dispute letters to Self Financial regarding 3 accounts reporting inaccurately on XX/XX/XXXX. They responded saying that the accounts were verified and accurate. As of today XX/XX/XXXX these accounts are still reporting inaccurately and inconsistent on my credit reports. I am submitting this complaint regarding inaccurate and inconsistent credit reporting by SELF Financial Inc . I have disputed these accounts multiple times with the credit reporting agencies, yet the inaccuracies remain across my credit reports. The following accounts are reporting inconsistent and conflicting information across XXXX XXXX XXXX XXXX. Account 1 Account numbers reported : XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$720.00} This account contains multiple inconsistencies including : The account type is reported differently as Secured Loan on one report and Installment Account on another. Payment history reporting differs across the credit bureaus. One report reflects 30-day late payments in XXXX and XX/XX/XXXX, while another report reflects 30-day late in XXXX and XX/XX/XXXX and a 60-day late in XX/XX/XXXX. The account status appears differently including Paid, Closed, Pays account as agreed, and Paid or paying as agreed. The last payment date is reported inconsistently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Because the reporting differs across the bureaus, it can not all be accurate. Account 2 Account numbers reported : XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$510.00} This account is also reporting inconsistent information across the credit reporting agencies. Examples include : The account is reported as open on one credit report and closed on another. The account status appears as Paid, Closed, Paid or paying as agreed, and Not more than three payments past due. One report reflects a past due balance of {$41.00}, while another report reflects {$0.00} past due. Payment history is inconsistent. One report reflects 30- and 60-day late payments, while another report reflects only one 30-day late payment. These differences demonstrate that the information being furnished is not accurate. Account XXXX Account number : XXXX Date opened : XX/XX/XXXX Original balance : {$1000.00} This account also contains inconsistencies across the credit reporting agencies. Examples include : The account type is reported as Secured Loan on one report and Installment Account on another. The account status appears as Paid, Closed, Pays account as agreed, and Paid or paying as agreed. The last payment date is reported differently as XX/XX/XXXX and XX/XX/XXXX. The month reported as a 30-day late payment differs across the credit bureaus. Legal Basis for Complaint Under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) requires furnishers to report accurate information. 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable investigation of disputed information. Because the information being furnished is inconsistent across the 3 credit reporting agencies, it can not all be accurate. This indicates that the information has not been properly verified. Requested Resolution I am requesting that SELF Financial Inc. : Conduct a proper investigation into the reporting of these accounts Correct all inaccurate information Ensure that the reporting is consistent across all credit reporting agencies If the accounts can not be verified as accurate in every field being reported, I request that the tradelines be deleted from my credit reports.

Company response to consumer: Closed with explanation