Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5132445
Complaint Overview
Complaint ID: 5132445
Company: Consumer Portfolio Services, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Massachusetts
ZIP Code: 021XX
Date Received: 2022-01-20T12:00:00-05:00
Date Sent to Company: 2022-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Before my car was repossessed in XX/XX/2021 XXXX was harassing me calling in upwards of three times a day. I reported the obsessive harassing phone calls and they put a stop to the phone calls but now my problem is not getting my statements on time and XXXX is not reporting it to the credit bureau accurately. I received a statement on XX/XX/XXXX that implied, as you will see by the attachments that I was three months behind when I wasnt even 30 days past due yet. Please refer to the attachments the information doesnt match up to when they are reporting my account to the credit bureaus either. I received a notification today through XXXX that my account is 30 days past due but according to the notices I received LESS than 30 days ago they say Im 90 days past due???? I believe this is all in retaliation for me putting a stop to their collection calls as soon as you are late they start calling up to three times a day. Its harassing not to mention the amount of money I owe on this loan doesnt make any sense. Even the worst car loan out there after paying it for a year you would see more than a {$20.00} drop in the balance. I reported this Company before being deceitful and dishonest but I didnt want to follow through with it because I just wont have time and Im a single mom but I am trying really hard to work on my credit in this company is set on preventing me from obtaining HOME OWNERSHIP reporting INACCURATE info AND not sending out an invoice to me in a timely fashion for me to pay it. On top of having incorrect information on the statement that I just received. This company is dishonest and unethical and just plain unfair. They prevented me from being able to pay all my past due when they took my car and it took twice as long to get it back because they kept adding fees and giving me instructions to pay the bill that were bogus. I have attached my informed delivery to prove when I received the LATEST BILL from them Which by the way says that its not due until XX/XX/XXXX yet the statement date is XX/XX/XXXX and it didnt get into my mailbox until XX/XX/XXXX?? Thats directly in retaliation to me stopping they are harassing collection calls because I know my rights as a consumer!
Frequently Asked Questions
What is Complaint #5132445 about?
Complaint #5132445 was filed against Consumer Portfolio Services, 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 2022-01-20T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.