Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13455694
Complaint Overview
Complaint ID: 13455694
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 status incorrect
State: Michigan
ZIP Code: 48503
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Self Lead Is reporting Late Payments to my credit report Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute the accuracy and completeness of this entry. The information as currently reported is erroneous, misleading, and fails to meet compliance with federal law. Specifically : XXXX. Violation of 15 U.S. Code 1666b This provision of the Truth in Lending Act mandates clear billing cycle procedures and timely posting of payments. I request verifiable evidence that any alleged late payment adhered strictly to these provisions, including billing cycles and due dates. If such documentation can not be provided, the late mark is inaccurate and must be permanently deleted. XXXX. Violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of disputed information. I am requesting a full reinvestigation of this account and demand deletion if the furnisher ( Self Credit Financial ) can not verify with original source documentation that the derogatory item is complete and accurate. XXXX. Violation of 15 U.S. Code 1681s-2 ( b ) Furnishers of information are legally obligated to correct or delete information found to be inaccurate or unverifiable. If Self Credit Financial is unable to provide full account validationincluding billing statements, payment history, and internal records showing the timing of noticesI demand this account be removed in its entirety.
Frequently Asked Questions
What is Complaint #13455694 about?
Complaint #13455694 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 2025-05-11T12:00:00-05:00.
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.