Credit card -- Incorrect information on your report -- Complaint #14029756
Complaint Overview
Complaint ID: 14029756
Company: First Portfolio Servicing INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Georgia
ZIP Code: 30189
Date Received: 2025-06-11T12:00:00-05:00
Date Sent to Company: 2025-06-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding inaccurate or unfair credit reporting related to my credit card account. At one point, my balance increased from approximately {$98.00} to {$310.00}, even though I paid the balance on time and in full. I did not miss any payments, and my account was never delinquent. However, this temporary increase in reported balance caused my credit score to drop by around XXXX points due to credit utilization being calculated above 30 %. This drop occurred despite the fact that my final balance was {$0.00} and that I was using my credit responsibly. It has now been several months since the payment was made and the balance cleared, yet my credit score has not recovered. I believe the account may have been reported at the wrong time or in a way that does not reflect my actual payment behavior. I contacted the credit card company and requested that they update the credit reporting to reflect my correct balance and on-time payment history. So far, no action has been taken to fix the issue or help restore the damage to my credit.
Frequently Asked Questions
What is Complaint #14029756 about?
Complaint #14029756 was filed against First Portfolio Servicing INC regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-11T12:00:00-05:00.
How did First Portfolio Servicing 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 card) and describe your issue in detail.
Can I see other complaints against First Portfolio Servicing INC?
Yes, visit the First Portfolio Servicing INC company profile at readthecomplaint.com/company/first-portfolio-servicing-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.