Consumer complaint received 2023-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX [ Zip Exempt ] OneMain XXXX XXXX XXXX XXXX, XXXX XXXX OneMain Financial Attn : EOCC - Intake XXXX XXXX  XXXX XXXX, XXXX XXXX Opt-Out Notice and Demand of Account Removal To whom it may concern, This notice is a final attempt to allow OneMain the opportunity to remove Account # XXXX from any and all third party reporting agencies regarding XXXX XXXX based on one or all of the following statements : As per the response issued by OneMain via CFPB complaint # XXXX , OneMain issued a copy of the proposed original Loan Agreement claimed to be between OneMain and XXXX XXXX. However, it appears that OneMain failed to provide any signature on the Loan Agreement and there is only one electronic signature that claims to be that of XXXX XXXX. I hereby deem this contract to be invalid, as it only possesses one signature. Additionally, it is to be stated that there has been a lack of disclosure and clarity of information when it comes to the true roles the lender, the original creditor, and the borrower play in regards to this contract. ( 16 CFR 444.3 ) The Loan Agreement provided has a different Account number listed on the original document as opposed to what is listed on all credit reports. Additionally, it appears OneMain has listed two different interest rates. These inconsistencies bring into question the validity and good nature of this loan. 
Per the FCRA, as a Federally Protected Consumer, I am from this point forward opting-out of any and all prior authorization I, the Consumer, may have given OneMain whether written, unwritten, verbal, and nonverbal, per 15 USC 6802, 6805, 16 CFR 313, and the Privacy Act of 1974 to report this account to any affiliated or non-affiliated companies. It is to be stated that OneMain failed to provide me with any notice of option to opt-out during any revolving 30-day period in order to help protect my privacy and non-public information. 
Per letters recently sent certified mailed to all 3 Credit Reporting Agencies, according to 15 USC 1681, I demand this account cease all reporting as there has been inaccurate and conflicting information purported on every individual third party agency. 
Per the most recent communication, it would appear OneMain may be in violation of 15 USC 1692e ( 10 ) for offering what appears to be legal advice in recommending to fill out an Identity Theft report without proper lawful context. In the event a FTC Identity Theft form should be filed, it shall be related to 5 USC 522a, as I was coerced into providing my private Social Security Number to OneMain, which was not mandatory and was not made clear at any time as the are not part of the Federal Government. In that only instance will I state and claim that I was a victim of identity theft. 
It is understood that this account has been Charged-Off and may be considered a Certificate of Indebtedness and Income. Please provide any tax forms ( especially any 1099-C forms ) filled in regards to this account and associated with XXXX XXXX so that the proper accounting and taxes may be filled. 
Please take notice of the Certified Copy of a UCC 11 search which does not have OneMain listed as a creditor or holding any security interest in XXXX XXXX and or property related to XXXX XXXX. 

I reserve my rights in this regard per 16 CFR sec. 433.2 and sec. 433.3 as well as my right to resolve these matters via arbitration per the contract. In the event OneMain does not remove the above listed account within 30 calendar days, a Pre-Arbitration letter will be mailed certified mail in order to begin the necessary steps of escalating this issue further. Finally, it is requested OneMain compensate XXXX XXXX in the amount of {$9000.00} for the pain and suffering involved in these inaccuracies and inconsistencies as well as the inaccuracies and inconsistencies themselves. All representations are true, correct, and contain no material omissions of fact. 

Signed, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation