Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
I did not authorize or open SELFHELP, this account is a fraud. This is a clear case of identity theft, and you do not have my consent to use my personal information, including my SSN. The lack of a signed contract or agreement further proves that this collection is fraudulent. Under 15 U.S.C. 1666b, 15 U.S.C. 1692g, and 15 U.S.C. 1692k, I demand that this account be removed from my credit report immediately. 


**SBNASELFLNDR** Status : Closed, Paid Original balance : {$720.00} Late Payments : XX/XX/2022 ( 30 days ), XX/XX/2022 ( 60 days ) Violation : The reporting of late payments violates 15 USC 1681e ( b ) and 15 USC 1681c-2 . There is no proof provided that payments were made. Please remove late payments immediately. DELETE THE ACCOUNT OR REMOVE LATE PAYMENTS I DO NOT WANT THIS ACCOUNT TO REPORT IF YOUR COMPANY IS GOING TO CONTINUE TO VIOLATE MY RIGHTS WITH INACCURACIES.

Violations of Consumer Rights : False Reporting and Misrepresentation : Your agency has inaccurately reported this account under my name without providing any validation or authorization from my side. This constitutes a violation of 15 USC 1692e ( 5 ), as false representation and deceptive practices are being used to collect an illegitimate debt.

Unauthorized Use of My Social Security Number : You have reported and attempted to collect this debt using my Social Security Number ( SSN ) without my consent, which is a serious violation of my privacy and identity.

Failure to Validate the Debt : Under 15 USC 1692g, I have not received any valid proof of this debt, and your failure to provide appropriate documentation to verify this debt constitutes a violation of FDCPA guidelines.

Identity Theft and Fraud : This account was opened fraudulently, without my knowledge or consent, and is a clear instance of identity theft. As such, this is also a violation of the FCRA and FDCPA. Under these laws, you are required to investigate and delete fraudulent accounts immediately.

5. Refusal to Remove and Update Failure to comply with my demands for removal, deletion, and updates of these fraudulent accounts will result in arbitration and potential legal action. By refusing to update my credit report accurately, you are further violating 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( 5 ). The ongoing inaccurate reporting of these accounts will lead to statutory damages and claims for false reporting under the FCRA.

6. Potential for Arbitration and Damages If my demands are not met within 30 days, I will seek arbitration for statutory damages due to false reporting and violations of the FCRA and FDCPA. The damages resulting from inaccurate information will be sought to the fullest extent of the law.

7. Authorization and Verification I am the only debtor who can verify the legitimacy of any accounts under my name. I hereby demand that you delete all the negative items, unverifiable accounts, and inaccurate reports associated with my credit profile. Cease and desist all further communication and collection attempts immediately.

Company response to consumer: Closed with explanation