Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9997859
Complaint Overview
Complaint ID: 9997859
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 information incorrect
State: Louisiana
ZIP Code: 70127
Date Received: 2024-09-04T12:00:00-05:00
Date Sent to Company: 2024-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the credit reporting practices of Self Inc. and to report the impact of financial hardship due to XXXX on my ability to maintain one of my accounts in good standing. Details of the Dispute : 1. Account Ownership : I opened one account with Self Inc. and initially maintained it in good standing. However, due to financial hardship caused by the XXXX pandemic, I was unable to continue making timely payments on this account. XXXX. XXXX Financial Hardship : The pandemic severely affected my financial situation, leading to missed payments on this account. Despite my efforts to communicate with Self Inc. regarding my situation, the account has been reported negatively on my credit report. 3. Unauthorized Account : with balance of XXXX thats was open around XXXX of XXXX In addition to the account I opened, I have discovered that a second account has been reported under my name by Self Inc., which I did not authorize, open, or have any knowledge of. This is a potential case of fraud. Ive only open one account which is a credit builder that I open in XXXX of XXXX this is the only account Ive open with self. Impact on Credit : The negative reporting of the first account, combined with the unauthorized second account, has significantly impacted my credit score. I am concerned about the long-term effects on my creditworthiness and the difficulties this may cause in securing future credit. Request for Resolution : Consideration of XXXX Hardship : I request that Self Inc. and the credit bureaus consider my financial hardship during the XXXX pandemic and make appropriate adjustments to the reporting of my first account. This may include reporting the account as affected by natural or declared disaster or adjusting the payment history to reflect the extenuating circumstances. Investigation of Unauthorized Account : I also request that the CFPB initiate an investigation into the unauthorized second account reported by Self Inc. and ensure its removal from my credit report.
Frequently Asked Questions
What is Complaint #9997859 about?
Complaint #9997859 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 2024-09-04T12:00:00-05:00.
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.