Credit card -- Problem with a company's investigation into an existing problem -- Complaint #7853027

Complaint Overview

Complaint ID: 7853027

Company: Self Financial INC.

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Arkansas

ZIP Code: 721XX

Date Received: 2023-11-14T12:00:00-05:00

Date Sent to Company: 2023-11-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX, XXXX XXXX : certified # XXXX XXXX, XXXX XXXX certified # XXXX XXXX REQUESTING CFPB TO PROTECT ME FROM THIS CROOKED CORPORATION!!!!!! I requested self financial to furnish me my disclosures that gave them permission to disclose my Nonpublic personal information to nonaffliated third parties and they have not furnished me my information at my specified address XXXXXXXX XXXX XXXX XXXX XXXX Ar XXXX. As a Federally protected consumer before any financial institution disclose any XXXX the financial instuistion either has provide/or has provided my notices pursuant to 15 usc 6802 that complies with 15 usc 6803. Self financial lead bank has done neither. Secondly was going over my consumer reports and notice self financial lead bank is reporting transactions to my consumer reports that by law is excluded. i have spoken to XXXX XXXX on different occasion and both times i contacted supervisor XXXX both times answered the call. I allowed self an opportunity to cure by removing these alleged tranactions but XXXX said according to self polices we have to he stated XXXX XXXXXXXX we have no authority to remove these tranactions off your consumer report call the CRAs and i said you furnished the information to the CRAs and you say such stuff. i made the agent aware of their inaccurate reporting by showing the law under Consumer Credit Protection Act ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; i told them that transaction are excluded from consumer reports and i said that im allegedly suppose to be late i spoke with the supervisor and said the only way you can consider something late. 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.XXXX was unable to give me the certified tracking to prove that they mailed or delivered 21 days before the due date and also he failed to comply to 15 usc 1637b on recored line XXXX said they dont have 15 usc 1637b on file email me and i said if you havent complied with Federal law as a financial institution than you cant treat any payment as late unless you comply with 15 usc 1637b i sent mail XX/XX/2023 i havent received nothin the mail and by law they had 30 days and they still failed to remove this account off my consumer report 15 usc 1681 ( I ) ( 6 ) ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I havent received nothing in the XXXX days from this company and this document was sworn under penalty of perjury and notarized***** Accounts # XXXX accounts # XXXX

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