Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Self Financial ( also appearing as XXXX and SELFINC/LEAD ) for their continued and unlawful reporting of two negative accounts on my credit reports. These accounts are being reported under : XXXX  Installment account Account Number : XXXX Showing 2 late payments AND ALSO, SELFINC/LEAD Revolving account Account Number : XXXX Balance : {$170.00} Showing XXXX late payments I am completely unaware of these debts. I never opened or authorized these accounts and have never received any form of notification, validation, or attempt to collect from Self Financial or any third party acting on their behalf. 

I have disputed both of these accounts five times with both major credit reporting agencies ( XXXX, and XXXX  ) since XXXX, and they continue to be reported negatively. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S.C. 1692g ( a ), I am entitled to written notice of the debt within XXXX days of the collector 's initial communication, including : The amount of the debt The name of the creditor A statement of my right to dispute the debt within 30 days To date, I have not received any such written communication or notice from Self Financial. 

If XXXX XXXX claims that they sent any form of notification, I demand Certified Mail documentation with proof of delivery, including a signed receipt bearing my handwritten signature. In the absence of such, they have failed to meet FDCPA notice requirements and can not legally pursue or report this debt.

Further, under 15 U.S.C. 1692g ( b ), once a debt is disputed in writing, the collector must cease collection and verify the debt. This has not been done.

Request for Full Validation I hereby formally request full validation of the alleged debts, which must include : A copy of the original contract with my wet signature The date/time the contract was signed in person Name of agent who typed contract Full payment history and itemized charges Proof of the legal right to collect this debt If this information can not be produced, continued collection or reporting violates both the FDCPA and FCRA.

Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( b ), a furnisher of information is required to : Conduct a reasonable investigation upon receiving a dispute Correct or delete any inaccurate or unverifiable information Report results of the investigation within 30 days Since I have filed multiple disputes and received no verifiable proof or correction, Self Financial is in clear violation of this statute. Continuing to report unverifiable and inaccurate data without resolving disputes is a willful violation of the FCRA.

Additionally, under 15 U.S.C. 1681e ( b ), furnishers must ensure maximum possible accuracy of the information they report. In this case, accuracy can not be confirmed because I was never notified of these debts and they have not been validated.

My Requests : Immediate removal of these two accounts from all major credit bureaus.

A full investigation into Self Financials failure to comply with the FDCPA and FCRA.

Enforcement action or penalties if violations are confirmed.

Summary : Self Financial has : Failed to properly notify me under FDCPA Failed to validate the alleged debts Reported accounts without proof of my authorization or signature Ignored repeated disputes Continued to report unverifiable and inaccurate information I have exhausted all normal dispute channels and am turning to the CFPB for assistance. I am requesting that you hold Self Financial accountable for these unlawful actions and protect my rights under federal consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation