Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18110757
Complaint Overview
Complaint ID: 18110757
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: South Carolina
ZIP Code: 29205
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Self Lender is reporting information on my credit file that is inaccurate, incomplete, and not legally verifiable. I requested verification and supporting documentation, and they failed to provide anything required under FCRA 611 and 623 ( b ). They have not produced the original contract, the itemized account history, the DOFD, or any documentation that substantiates the balance or the negative reporting. Instead of conducting a lawful investigation, they attempted to re-verify the account with the same unverified data, which violates the FCRAs requirement for a reasonable reinvestigation. Self Lender is furnishing contradictory information and failing to maintain maximum possible accuracy as required under FCRA 607 ( b ). They are also violating 623 ( a ) ( 1 ) ( A ) by continuing to furnish information they can not verify. Their actions constitute unlawful reporting and negligent reinvestigation under federal law. I am requesting immediate intervention because Self Lender is refusing to comply with federal verification requirements and is damaging my credit with unverifiable information.
Frequently Asked Questions
What is Complaint #18110757 about?
Complaint #18110757 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 2025-12-02T12:00:00-05:00.
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.