Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Self Financial , Inc. regarding their mishandling of a case of identity theft and their subsequent violation of my consumer rights. Despite providing ample evidence of identity theft, including an FTC report, a Police Report, and an Affidavit of Truth, Self-Financial , Inc. persistently reports negative remarks on my credit report, inaccurately attributing fraudulent accounts to me. XXXX accounts were openin myname ( XXXX ) XXXX, XXXX XXXX, XXXX and closed XX/XX/XXXX, ( XXXX ) XXXX XX/XX/XXXX, and closed XX/XX/XXXX. Upon discovering the fraudulent activity, I promptly took the necessary steps to report the identity theft to the appropriate authorities and to Self-Financial , Inc. itself . However, despite my diligent efforts to resolve the matter, Self-Financial , Inc. has failed to appropriately investigate my claims and continues to disregard the evidence I have provided. I have engaged with several departments at Self Financial , Inc. in attempts to rectify the situation, but to no avail. Instead of addressing the issue and correcting their erroneous reporting, Self-Financial , Inc. has continued to infringe upon my rights as a consumer by falsely reporting the inaccurate, fraudulent accounts on my credit report. This not only damages my credit score but also undermines my financial standing and reputation. Due to this they are discrediting my name, which is defamation of character. I have been unable to obtain credit, move into homes, etc. which has caused me emotional & financial stress. My life has been dramatically altered due to this false reporting from Self Financial , Inc. Moreover, Self-Financial , Inc. has failed to adhere to the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the United States Code concerning the investigation of disputed debts. Instead of conducting a thorough and proper investigation into my claim, Self-Financial , Inc. has resorted to sending generic correspondence via email, insisting that the debt belongs to me despite clear evidence to the contrary. This ongoing negligence and disregard for my rights as a consumer are unacceptable. I demand that Self Financial , Inc. cease all false reporting of fraudulent accounts on my credit report and take immediate steps to rectify the damage they have caused. Additionally, I expect compensation for the harm and inconvenience inflicted upon me as a result of their actions. I trust that the XXXX XXXX XXXX  will investigate this matter thoroughly and take appropriate action to ensure that Self Financial , Inc. upholds its obligations to consumers and complies with all relevant laws and regulations. All Self Financial has to do is send me all the information pertaining to both of these accounts. I want to know how these accounts were opened, what emails, addresses and identificationwere used to obtain Self accounts in my name. Please provide the wet signature for these accounts. Also, I would like to know how Self Financial allows scammers and fraudsters to open accounts in unsuspecting people 's names? Thank you for your attention to this matter

Company response to consumer: Closed with explanation