Credit card -- Incorrect information on your report -- Complaint #18534013
Complaint Overview
Complaint ID: 18534013
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: Account status incorrect
State: Georgia
ZIP Code: 31322
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
SUPPLEMENT TO EXISTING CFPB COMPLAINT # XXXX PLEASE MERGE First Access is reporting incorrect account status and damaging my credit with inaccurate and misleading information. The balance showing is entirely made up of fees, not real purchases. I requested cancellation and verification, yet they continued to add charges and report false delinquencies. Timeline : I disputed the account and requested verification, balance breakdown, and closure. Instead of responding, First Access continued adding fees and reporting the account as late/delinquent. They are reporting the account as open and past due, even though it should be closed with a {$0.00} balance. They have contacted me repeatedly from rotating phone numbers after a dispute was filed, which feels like harassment. They also misled the XXXX in their response to my complaint, showing a pattern of avoiding proper investigation or correction. Violations : FCRA : furnishing inaccurate information while an account is under dispute Failure to investigate and failure to correct reporting Reporting false late payments and misleading account status Continuing to charge fees after cancellation request Harassing communications after dispute ( rotating spam numbers ) This is harming my credit and affecting my ability to secure housing.
Frequently Asked Questions
What is Complaint #18534013 about?
Complaint #18534013 was filed against First Portfolio Servicing INC regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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.