Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9283726
Complaint Overview
Complaint ID: 9283726
Company: Onemain Finance Corporation
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Maryland
ZIP Code: 21144
Date Received: 2024-06-17T12:00:00-05:00
Date Sent to Company: 2024-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> XXXX opened a dispute with the company ONEMAIN in response to an affidavit I sent in describing the inaccuracies displayed on my report by the furnisher ONEMAIN. On XX/XX/year>, this dispute was completed with a resolution of this account had been updated. No where in the description did it express this debt was validated nor did I receive any correspondence with the documents requested to validate this debt. I also requested cessation of collection efforts until the debts were properly validated and as of today XX/XX/year>, they have not been. Under the Fair Debt Collection Practices Act ( FDCPA ), section 805 ( c ), I am entitled to request a debt collector to cease communication regarding a specific debt. I requested that communication cease until debts were properly validated in the original dispute letter that was received by the bureaus on XX/XX/XXXX. ONEMAIN has contacted me 11 times since then without properly validating the alleged debt, placing the company in violation of the FDCPA for disobeying my request. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of this account due to inconsistency in account information amongst the reports. In this dispute I stated should these documents not be provided... I will assume that these debts can not be validated and therefore expect a deletion of these accounts from my reports. I am now sending the attached letter directly to the company as I also submit this complaint.
Frequently Asked Questions
What is Complaint #9283726 about?
Complaint #9283726 was filed against Onemain Finance Corporation regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-06-17T12:00:00-05:00.
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 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.