Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5110814
Complaint Overview
Complaint ID: 5110814
Company: Select Portfolio Servicing, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: California
ZIP Code: 90723
Date Received: 2022-01-14T12:00:00-05:00
Date Sent to Company: 2022-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I applied for a mortgage loan with a major bank. I authorized them to pull my credit reports. I was told by the bank that my mortgage is not on my credit report. I explained to the bank that in XXXX of XXXX that my mortgage was sold to a new mortgage company which I was well aware of because my mortgage is current because I have been making all my payments on time to my previous and my current mortgage companies. I called my mortgage company and spoke with a customer Rep and explained my situation. The Rep stated there was no reason for my mortgage not being on my credit report. She stated she would open a claim, but that could take 30-60 days. I told her that was unacceptable due to the fact that I had just lost out on a home I was trying to purchase and I took a Hard Hit on my credit report which will happen again when I reapply once this is corrected. She stated that's the best she could do. I asked for a claim number, but she said she didn't have one. I work really hard at keeping my credit in good standing, but then I get penalized for someone else 's error.
Frequently Asked Questions
What is Complaint #5110814 about?
Complaint #5110814 was filed against Select Portfolio Servicing, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-01-14T12:00:00-05:00.
How did Select 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 reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Select Portfolio Servicing, INC.?
Yes, visit the Select Portfolio Servicing, INC. company profile at readthecomplaint.com/company/select-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.