Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX Your Email Address ] XX/XX/XXXX Self Financial, Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Consumer Financial Protection Bureau Complaint Case # XXXX Account Number : [ Insert Account Number, if available ] To Whom It May Concern : I am writing in response to your letter concerning the above-referenced CFPB complaint and your summary of the account activity and credit reporting. After reviewing your response, I must respectfully disagree with your findings and am formally disputing the continued delinquent reporting of this account. 
While you indicate that the account was opened on XX/XX/XXXX and that multiple failed payment attempts occurred between XXXX and XXXX, I contend that the reporting does not fully and accurately reflect the context and circumstances surrounding this account. My dispute is based on the following : 1. Disputed Payment Failures : You claim that thirteen payment failures occurred between XX/XX/XXXX and XX/XX/XXXX. I request a complete and detailed payment ledger that clearly shows the origin of these alleged failed payments, dates, and reasons for failure. If these were due to technical errors, processing issues, or failed ACH setups, that is materially different from consumer negligence.

2. Inadequate Notification : While your response mentions emails and statements, I request proof of delivery or read receipts confirming I was adequately and clearly notified prior to the negative reporting. A failure to reasonably notify the consumer of a pending delinquencyespecially in cases where electronic communication may have failedundermines the legitimacy of the reporting. 
3. Post-Account Closure Reporting : You state that the account was closed on XX/XX/XXXX but continues to report as delinquent due to an unpaid balance. I dispute the fairness of this reporting. Once a security deposit was applied, the account should have been reported as closed with a paid or partially paid status, not an ongoing delinquencyespecially when the consumer can no longer access or use the account. I request that the reporting be updated to reflect a closed account with a {$0.00} balance or a notation of partial settlement.

4. Reporting Accuracy and Format Discrepancies : You note that Self furnishes information to credit bureaus and that the bureaus may interpret data differently. While this may be technically true, the original furnishers still bear responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy, clarity, and completeness of the data they report. If your file leads to confusion or misinterpretation, it still falls on Self to clarify and, if necessary, correct the formatting or contextual representation. 
Given these points, I respectfully request that you : Conduct a second review of this account, including an audit trail of payment attempts and notices sent. 
Cease further delinquent reporting on the closed account and request that the bureaus update the status to " Closed Paid ( or Partially Paid ) '' or Disputed.

Provide written verification and a copy of the data furnished to each of the three major credit bureaus.

If your investigation concludes that no changes can be made, provide me with written documentation showing exactly what was furnished to each bureau and your specific rationale for continued negative reporting. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and requesting a response within the 30-day period prescribed by law. If this dispute is not resolved adequately, I will consider pursuing further action with the CFPB and other applicable regulatory bodies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation