Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Account Type : Secured Credit Card Account Opened : XX/XX/XXXX Account Status Reported : Charged Off Balance Reported : {$150.00} Credit Limit : {$100.00} Complaint Summary I am filing this complaint because XXXX Bank verified and continued reporting inaccurate information after I disputed this account, instead of correcting or removing the tradeline as required under the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue I disputed this account with the credit bureaus, and the credit report clearly states : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Despite this dispute and reinvestigation, the account was only updated not corrected or removed and continues to report inaccurate and misleading information. 
Inaccurate Reporting Issues XXXX Bank is reporting the following inaccuracies : Improper Charge-Off Reporting This was a secured credit card with a {$100.00} credit limit, yet the account shows : A balance of {$150.00} A highest balance of {$160.00} These amounts exceed the secured limit and are inaccurate unless fully explained and documented. 
Ongoing Monthly Charge-Off Status The payment history shows continuous monthly CO ( charge-off ) reporting across multiple years. 
Under the FCRA, a charge-off is a one-time accounting event, not a status that should be re-reported monthly as new derogatory activity. 
Incorrect Status Update Dates The account shows : Status updated : XX/XX/XXXX Balance updated : XX/XX/XXXX This creates the false impression of ongoing delinquency and recent activity after the account should have been finalized. 
Failure to Correct After Dispute The furnisher verified the account without correcting these inaccuracies. 
Verification of inaccurate data after a dispute is a violation of 15 U.S.C. 1681s-2 ( b ). 
Legal Basis ( FCRA Violations ) XXXX Bank failed to meet its obligations under the Fair Credit Reporting Act by : Verifying information that is inaccurate and misleading Failing to conduct a reasonable investigation Continuing to report derogatory information that should have been corrected or deleted Improperly updating the tradeline after dispute, causing continued credit score harm Company : XXXX XXXX XXXX XXXX Bank  Account Type : Credit Card Account Opened : XX/XX/XXXX Credit Limit : {$300.00} Reported Balance : {$490.00} Account Status : Charged Off Complaint Summary I am filing this complaint because XXXX XXXX XXXX XXXX Bank continued reporting inaccurate and misleading charge-off information after the account was disputed and reinvestigated, instead of correcting or deleting the tradeline as required by the Fair Credit Reporting Act ( FCRA ). 
Dispute and Reinvestigation This account was previously disputed, and the credit report explicitly states : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account previously in dispute investigation complete, reported by data furnisher. 
Despite completing the investigation, the furnisher verified the account without correcting inaccurate reporting, and the tradeline continues to show improper and misleading information. 
Inaccurate and Misleading Reporting XXXX XXXX XXXX XXXX Bank is reporting several inaccuracies : Improper Ongoing Charge-Off Reporting The account is marked as charged off, yet the balance is repeatedly updated and reported as : {$490.00} past due as of XX/XX/XXXX Balance updated XX/XX/XXXX A charge-off is a one-time accounting event, not an ongoing monthly delinquency. 
Continuing to update the balance and past due status after charge-off falsely implies new activity. 
Balance Exceeds Credit Limit The credit limit was {$300.00}, yet the reported balance and highest balance are {$490.00}. 
This discrepancy has not been properly explained or validated and is misleading. 
False Appearance of Recent Derogatory Activity The account shows a status updated date of XX/XX/XXXX, yet balance and delinquency updates continue into XX/XX/XXXX. 
This creates the false impression that the account is newly delinquent, causing ongoing credit score damage. 
Failure to Correct After Dispute After dispute and reinvestigation, the furnisher chose to update the tradeline instead of correcting or deleting inaccurate information. 
Verifying inaccurate data after a dispute violates 15 U.S.C. 1681s-2 ( b ). 
FCRA Violations XXXX XXXX XXXX XXXX Bank failed to comply with the Fair Credit Reporting Act by : Failing to conduct a reasonable investigation Verifying inaccurate and misleading information Continuing to report postcharge-off activity Updating balances and past-due status long after charge-off Causing ongoing consumer harm through inaccurate reporting CFPB Complaint Narrative Company : Extra Type of credit : Line of credit Issue : Incorrect credit reporting / Bankruptcy discharge not properly reflected I am filing a complaint regarding inaccurate credit reporting for a line of credit account that was discharged in my XXXX XXXX  bankruptcy. 
The account was opened on XX/XX/XXXX and is currently being reported as Discharged through Bankruptcy XXXX XXXX / Never late. Despite this, after I filed a dispute, the account was updated instead of being removed, which is improper and misleading. 
Following my dispute, the furnisher and/or credit bureau updated the account with a new comment ( Closed due to inactivity ) and a status update date of XX/XX/XXXX, and the credit bureau notes that the account was updated again during a reinvestigation in XX/XX/XXXX. Updating a discharged account constitutes illegal re-aging and continued reporting of a debt that has been legally discharged.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Bankruptcy Code protections, accounts discharged in XXXX XXXX  bankruptcy must not continue to be updated, re-aged, or reported in a way that suggests ongoing activity or responsibility. Once discharged, the account should either be : Reported as included in bankruptcy with no subsequent updates, or Removed entirely if the information can not be accurately reported. 
Updating the account after bankruptcy dischargeespecially following a disputecreates the false impression of post-bankruptcy activity and harms my credit profile. 
What I am requesting :

Company response to consumer: Closed with explanation