Credit card -- Getting a credit card -- Complaint #19541788
Complaint Overview
Complaint ID: 19541788
Company: Onemain Finance Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: New Jersey
ZIP Code: 07003
Date Received: 2026-02-16T12:00:00-05:00
Date Sent to Company: 2026-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Unauthorized Hard Credit Inquiry by OneMain Financial and Improper Reporting by XXXX I am filing this complaint regarding an unauthorized hard credit inquiry performed by OneMain Financial on XX/XX/year>, which is still reporting on my XXXX credit file. I authorized only a soft inquiry during the loan application process. However, OneMain performed a hard inquiry before the application was completed, without proper disclosure or consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires clear, informed authorization before a hard inquiry is made. The inquiry was conducted prematurely, without my knowledge, and before I had the opportunity to review or complete the application. This improper access to my credit file resulted in a loan denial, a credit score impact, and ongoing harm. I contacted OneMain Financial multiple times, including their XXXX XXXX XXXX XXXX XXXX, and provided documentation showing that the hard pull occurred before the application was completed. Despite this, OneMain has refused to remove or correct the inquiry. I also filed an FTC Identity Theft Report and submitted a dispute letter, but the inquiry remains on my XXXX report. XXXX continues to report the unauthorized inquiry, even though OneMain has not provided proof of permissible purpose or proper authorization. Requested Resolution : Removal of the unauthorized hard inquiry from my XXXX credit report. A written explanation from OneMain Financial showing proof of authorization, or confirmation that no such authorization exists. Correction of any negative impact caused by the unauthorized inquiry. Assurance that OneMain will not access my credit file without proper disclosure and consent in the future. A review of OneMains application and disclosure procedures to prevent similar violations. This matter involves improper access to my credit file, failure to obtain proper authorization, and failure to correct inaccurate information. I am requesting CFPB assistance to compel OneMain Financial and TransUnion to comply with their obligations under the FCRA.
Frequently Asked Questions
What is Complaint #19541788 about?
Complaint #19541788 was filed against Onemain Finance Corporation regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2026-02-16T12:00:00-05:00.
How did Onemain Finance Corporation 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 card) and describe your issue in detail.
Can I see other complaints against Onemain Finance Corporation?
Yes, visit the Onemain Finance Corporation company profile at readthecomplaint.com/company/onemain-finance-corporation 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.