Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7770430
Complaint Overview
Complaint ID: 7770430
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 status incorrect
State: Georgia
ZIP Code: 30344
Date Received: 2023-10-28T12:00:00-05:00
Date Sent to Company: 2023-10-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Self Financial Team Self Financial , Inc. Re : Response to Consumer Financial Protection Bureau Complaint Case # XXXX I hope this RESPONSE finds you well. I am writing in response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint, Case # XXXX, in which I expressed concerns regarding my credit report and the reporting of late payments by Self Financial , Inc . I appreciate your prompt response and the detailed explanation you have provided regarding the company 's position on this matter. I would like to address some of the points you have raised and reiterate my concerns. While I understand that Self Financial , Inc. operates as a data furnisher rather than a consumer reporting agency, and you have mentioned that the information is provided to the credit reporting agencies in compliance with the Privacy disclosure and terms of service, I must emphasize my interpretation of the applicable legal provisions. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. I believe this provision explicitly excludes the reporting of such transactions from being included in consumer reports. I maintain that the reporting of these transactions to my consumer report is in violation of the Fair Credit Reporting Act and XXXX compliance. The inaccurate reporting of these transactions and late payments is adversely affecting my creditworthiness, making it challenging for me to address my financial needs and overcome obstacles. I want to resolve this matter amicably, but I must insist on the removal of these late payments from my credit report in accordance with the applicable laws. Thank you for your attention to this matter, and I look forward to your response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7770430 about?
Complaint #7770430 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 2023-10-28T12:00:00-05:00.
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.