Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Self Financial Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX To : XXXX  Consumer Dispute Department Re : Consumer Credit Report Request for Investigation and Deletion/Correction of Inaccurate or Unverified Information Report date : XX/XX/XXXX File : Please locate my credit file using the above information ( Name, DOB : XXXX ) XXXX 

To whom it may concern : I am writing under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to dispute the accuracy and completeness of the following items on my XXXX  credit report dated XX/XX/XXXX. I request that you conduct a timely reinvestigation, verify the accuracy of the information with the furnishers, and remove or correct any item that can not be verified within the time required by law. 

Disputed items ( as listed on my Experian report ) : XXXX. XXXX XXXX Account ending XXXX Reported as Charge off / Closed with XXXX potentially negative months. ( see report ) [ XXXX ] ( sediment : XXXX ) XXXX. XXXX XXXX XXXX Account XXXX Reported as Account charged off balance {$220.00}, {$120.00} past due reported XX/XX/XXXX. ( see report ) [ XXXX ] ( sediment : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX Reported with XXXX late payments ; status Paid/Closed. ( see report ) [ XXXX ] ( sediment : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX  Account XXXX Reported with late payments ; consumer statement shown. ( see report ) [ XXXX ] ( sediment : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX ( another entry ) Reported with XXXX late payments. ( see report ) [ XXXX ] ( sediment : XXXX ) ( If you show additional accounts as negative on your copy, include them in the same format. ) Why I dispute these items : - I dispute the accuracy and completeness of the above accounts and their reported payment histories, balances, and/or status because they contain derogatory information that I believe to be incorrect, inconsistent, and/or insufficiently documented by the furnisher. Under the FCRA you must verify disputed entries with the furnishing source. If the furnisher can not provide complete verification ( copy of signed contract, accurate payment history, chain of title if sold, etc. ), the information must be deleted or corrected. 

Requested action : XXXX. Please conduct a full reinvestigation of each of the disputed items listed above and provide me written confirmation of the results of your investigation. 
XXXX. If any furnisher fails to verify the accuracy of an item, remove that item from my file. 
XXXX. Provide a free copy of my updated credit report showing the results of your reinvestigation. 
XXXX. If you reinstate any item that you had previously removed, provide the name, address, and telephone number of the furnisher and a copy of the documentation used to verify the item. 

Enclosures ( copies only do not send originals ) : - Copy of my Experian report pages showing the disputed items ( highlighted ). [ XXXX ] ( sediment : XXXX ) - Copy of government-issued photo ID ( front/back ) [ if you choose to include this ]. 

Please complete your investigation within the time limits required by the FCRA and notify me in writing of the outcome. If disputed information is corrected or removed, please send me written confirmation and an updated copy of my credit report. 

Sincerely, XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation