Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Institution Involved : OneMain FinancialXXXX XXXX XXXXXXXX Nature of the Complaint : This complaint addresses OneMain Financials repeated violations, including inaccurate reporting to the credit reporting agencies ( CRAs ), breach of contract, failure to adequately investigate disputes, and adverse actions that have caused financial and reputational harm.

Timeline of Events : 1. XX/XX/XXXX : * OneMain Financial stated they had requested updates to the CRAs for the following information : date of last activity, last payment date, and payment history. However, these updates were either not made or remain inaccurate. Despite providing extensive supporting documentation, including a copy of my drivers license, Social Security card, and highlighted credit reports detailing the errors, OneMain Financial falsely claimed that my correspondence " does not provide sufficient information to investigate your dispute. '' 2. XX/XX/XXXX : * A dispute letter was sent and received by OneMain Financial, signed by XXXX XXXX. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). No substantive action was taken to resolve the inaccuracies.

3. XX/XX/XXXX : * Another dispute was delivered to OneMain Financial. This correspondence included detailed information regarding the inaccuracies and supporting evidence. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX ). OneMain Financial failed to adequately respond.

4. XX/XX/XXXX : * I sent an " Intent to Sue '' letter, which included an invoice and outlined their continued violations, inaccurate reporting, and adverse actions. This letter was signed by XXXX XXXX XXXX. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
5. XX/XX/XXXX : * A pre-arbitration notice was sent, reiterating the ongoing inaccuracies, breach of contract, and adverse actions. OneMain Financial received this notice on XX/XX/XXXX, signed by XXXX XXXX XXXX. ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
Violations : 1. Inaccurate Reporting to CRAs : * OneMain Financial continues to furnish inaccurate information to the CRAs, including incorrect dates of last activity, payment history, and other key account details. This is a clear violation of the Fair Credit Reporting Act ( FCRA ).

2. Failure to Investigate Disputes : * Despite receiving all necessary documentation to locate and verify my account, OneMain Financial falsely claimed insufficient information to investigate my disputes. This constitutes willful noncompliance with the FCRA ( 15 USC 1681i ).

3. Breach of Contract : * OneMain Financial breached its agreement by initiating legal action against me before compelling arbitration, as stipulated in our agreement. This breach has caused defamation of character, harassment, and adverse actions.

4. Adverse Actions : * OneMain Financials actions have caused adverse effects, including defamation of character, financial harm, and emotional distress.

Harm Caused : The continued inaccuracies and adverse actions have resulted in : * Denial of credit and financial opportunities. 
* Emotional distress caused by harassment and defamation of character. 
* Financial harm through unnecessary legal proceedings.

Company response to consumer: Closed with explanation