Debt collection -- False statements or representation -- Complaint #13728247
Complaint Overview
Complaint ID: 13728247
Company: Consumer Portfolio Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Nebraska
ZIP Code: 688XX
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> CONSUMER PORTFOLIO XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Subject : Dispute of Collection Account - [ XXXX XXXX XXXX / XXXX Dear Sir/Madam, I am disputing the collection account listed on my credit report for [ CONSUMER PORTFOLIO XXXX, XXXX ] . This debt is either not mine, or there is a significant inaccuracy in how it has been reported. I request validation of the debt under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ]. Please provide the following information : 1. The original creditor 's name and address 2. The amount of the debt 3. Proof of your legal authority to collect this debt 4. Form 1099C Until you provide the requested validation, I ask that you cease all collection activities, as per FDCPA 809 ( b ) [ 15 U.S.C. 1692g ]. Failure to validate the debt or cease collection activities will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ). Please respond with the requested validation within 30 days. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13728247 about?
Complaint #13728247 was filed against Consumer Portfolio Services, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-05-26T12:00:00-05:00.
How did Consumer Portfolio Services, 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Consumer Portfolio Services, INC.?
Yes, visit the Consumer Portfolio Services, INC. company profile at readthecomplaint.com/company/consumer-portfolio-services-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.