Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9684757
Complaint Overview
Complaint ID: 9684757
Company: Self Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 11225
Date Received: 2024-08-01T12:00:00-05:00
Date Sent to Company: 2024-08-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 1. XXXX XXXX - Account Number : # XXXX 2. XXXX XXXX Account Number : # XXXX 3. SBNASELFLNDR - Account Number : # XXXX 4. XXXX XXXX - Account Number : # XXXX 5. XXXX - Account Number : # XXXX Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ). Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : 1. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation. 2. Notify the furnisher of the information that the data has been modified or deleted from the consumers file. Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.
Frequently Asked Questions
What is Complaint #9684757 about?
Complaint #9684757 was filed against Self Financial INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-08-01T12:00:00-05:00.
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.