Debt collection -- Took or threatened to take negative or legal action -- Complaint #18433980

Complaint Overview

Complaint ID: 18433980

Company: Self Financial INC.

Product: Debt collection

Sub-Product: I do not know

Issue: Took or threatened to take negative or legal action

Sub-Issue: Sued you in a state where you do not live or did not sign for the debt

State: Missouri

ZIP Code: 63366

Date Received: 2026-01-02T12:00:00-05:00

Date Sent to Company: 2026-01-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this feedback and creating a new case because the prior CFPB case # XXXX was closed without resolving the core issues, and the companys response contains material factual errors, including misidentification of the complainant, and fails to properly address identity theft. 1. This Is a New Case Because the Prior Case Was Closed Without Resolution I am explicitly creating a new case because CFPB case # XXXX was closed, even though the dispute remains unresolved and the companys response is fundamentally flawed. Closure of a case with an explanation does not mean the matter was factually resolved. The issues raisedidentity theft, misidentification, and lack of independent verificationremain outstanding and require correction. 2. The Company Addressed the Wrong Individual The response letter issued by Self Financial is addressed to XXXX XXXX XXXX, not to me. I am XXXX XXXX. This is a critical error. Addressing the response to an entirely different individual demonstrates that the company failed to correctly identify the consumer associated with this complaint before issuing its findings. A company can not credibly claim to have conducted a thorough investigation while addressing the response to the wrong person. This error alone undermines the reliability of the investigation and raises serious concerns about mixed-file errors or misapplied records. 3. I Am a Victim of Identity Theft I am a victim of identity theft, and I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). This was clearly stated in my complaint. The companys response attempts to dismiss identity theft by citing internal account activity, logins, and a small cashed check. These points are legally irrelevant to whether I personally opened or authorized the account. Under FCRA 605B, once an FTC Identity Theft Report is submitted, information resulting from identity theft must be blocked unless the furnisher can prove actual consumer authorization. 4. Internal Activity Is Not Proof of Authorization The company relies on : Internal logins Internal payment activity Internal profile associations These are not independent verification and do not establish that I personally opened or authorized the account. Identity theft often involves fraudulent use of a victims personal information in ways that appear internally consistent. The company did not provide : A signed original application with verifiable signature Independent third-party identity verification Proof of informed consumer consent 5. Misidentification Invalidates the Investigation Because the response was addressed to the wrong individual, it is unclear whether : The correct consumer file was reviewed The correct identity was investigated The correct records were evaluated This creates a strong likelihood of mixed-file contamination, which is a recognized consumer reporting violation. 6. Continued Reporting Is Improper Given that : I am a verified identity theft victim The prior case was closed without resolution The company misidentified the complainant No independent proof of authorization was produced Continued reporting of this account is improper and harmful. 7. What I Am Requesting in This New Case As part of this new case, I am requesting : Immediate deletion of the Self / Lead Bank account from all credit bureaus Formal acknowledgment that the prior response misidentified the complainant Cessation of all reporting and collection activity Written confirmation that the account is flagged as identity theft Assurance that the account will not be reinserted 8. Closing Statement I am XXXX XXXX, not the individual named in the companys response. Because CFPB case # XXXX was closed without resolving these issues, I am creating this new case to ensure the matter is properly reviewed and corrected. I acted in good faith, followed required procedures, and filed an FTC Identity Theft Report. I respectfully request prompt corrective action in compliance with federal consumer protection laws.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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