Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12303630
Complaint Overview
Complaint ID: 12303630
Company: Self Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Rhode Island
ZIP Code: 02860
Date Received: 2025-03-03T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute Regarding Charged-Off Account and Missing XXXX Forms Dear CFPB, I am writing to file a formal dispute regarding a charged-off account that appears on my credit report. The creditor for this account did not provide me with a XXXX XXXX, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}. According to IRS guidelines, creditors must issue a XXXX form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts. I kindly request the CFPB to investigate this matter and ensure that the creditor comply with federal regulations by providing the appropriate XXXX forms or rectifying the status of these accounts on my credit report. I appreciate your attention to this matter and look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12303630 about?
Complaint #12303630 was filed against Self Financial INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-03T12:00:00-05:00.
How did Self Financial INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Self Financial INC.?
Yes, visit the Self Financial INC. company profile at readthecomplaint.com/company/self-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.