Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18244457
Complaint Overview
Complaint ID: 18244457
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: California
ZIP Code: 92336
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Demand for Investigation & Permanent Deletion of Multiple Inaccurate, Incomplete, and Unverifiable Accounts To Whom It May Concern : This letter serves as a formal dispute and demand for reinvestigation of several accounts that appear on my consumer file. These accounts contain significant inaccuracies, conflicting data, re-aged derogatory information, unverifiable payment histories, and violations of the FCRA, TILA, and applicable federal privacy regulations. Under FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ), any information that is inaccurate, outdated, misleading, or unverifiable must be deleted immediately. SELF / XXXX XXXX XXXX Account No. : XXXX Original Balance : {$520.00} Status : Paid & Closed Last Payment : XX/XX/XXXX Violations & Issues : Reported XXXX and XXXX-day late payments that contradict account closure timing Inconsistent data across several months Incorrect reporting for a closed and fully paid secured loan Violations of FCRA 607 ( b ) due to repeated inaccuracies SELF FINANCIAL / LEAD BANK Account No. : XXXX Original Balance : {$530.00} Status : Paid & Closed Last Payment : XX/XX/XXXX Violations & Issues : Late payments inaccurately reported XXXX and XXXX-day lates are unverifiable and do not match final records Improper reporting on a closed, collateral-paid account Violations of : FCRA 607 ( b ) ( accuracy ) FCRA 602 ( A ) ( maximum possible accuracy ) Potential TILA discrepancies on secured loan terms XXXX Account Number : XXXX Type : Installment Status : Charged Off Issues Identified : Past due amount ( {$170.00} ) contradicts remaining balance ( {$160.00} ). No payment history available despite charges and late statuses. Status updated in XXXX with no supporting documentation. Under FCRA and TILA compliance standards, this account is inaccurate and unverifiable.
Frequently Asked Questions
What is Complaint #18244457 about?
Complaint #18244457 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.