Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
Received copy B of the 1099 C ( CANCELLATION DEBT ) FOR {$1700.00}. This confirms that the balance that ONE MAIN/FOURSIGHT CAPITAL ( THE DATA FURNISHER ) are trying to collect on is indeed ALREADY PAID!!!!! The document was submitted, received and accepted by the IRS, which also means the company received a copy as well. The company is willfully reporting these asserted deficiencies. The inaccurate and erroneous statements are damaging to my credit reputation and worthiness 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

No adverse item besides the conviction of crimes should be on my report any item that is a derogatory mark is not allowed into consumer reports this is another violation ONEMAIN /FOURSIGHT ( THE DATA FURNISHER ), XXXX XXXX XXXX AND XXXX ARE ALL in violation with the FAIR CREDIT REPORTING ACT. Nothing should be reported unless it comes from gov't agency, and NEITHER OF THESE ENITITES ARE GOVERNMENT AGENCIES. The purpose of a consumer report is for CREDIT DECISONS, EMPLOYMENT SCREENIG, RENTAL APPLICATIONS AND INSURANCE RATES. ONEMAIN /FOURSIGHT, XXXX XXXX XXXX XXXX, XXXX, XXXX are not complying with the procedures or protocol. 15 U.S. Code 1681E - Compliance procedures ( a ) Identity and purposes of credit users These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681B of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681B for permissible purpose and 1681C for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; THE DATA FURNISHER ONEMAIN FOURSIGHT CAPITAL IS REPONSIBLE FOR THE INFORAMTION THAT THEY ARE PROVIDING T THE CONSUMER AGECIES. AGAIN, ONE MAIN /FOURSIGHT IS WILLFULLY AND PURPOSLEY PROVIDING THIS INFORAMTION IN HOPES OF ME NOT RECEIVING ANY EXTENSIONS OF CREDIT. 15 U.S. Code 1681S2 - Responsibilities of furnishers of information to consumer reporting agencies Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation