Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4732610
Complaint Overview
Complaint ID: 4732610
Company: Onemain Finance Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: North Carolina
ZIP Code: 27704
Date Received: 2021-09-18T12:00:00-05:00
Date Sent to Company: 2021-09-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
ONEMAIN admitted they benefited from my credit card, which damaged my consumer report, and I received nothing. Pursuant to 15 USC 1681n Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. My credit card, which is, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant to 15 USC 1602 ( l ). A deletion is admission. It shouldnt have been on my consumer report in the first place. I didnt give my consent for that. Again, I am seeking monetary relief pursuant to civil liability for willful noncompliance 15 USC 1681n.
Frequently Asked Questions
What is Complaint #4732610 about?
Complaint #4732610 was filed against Onemain Finance Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-09-18T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.