Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5288132
Complaint Overview
Complaint ID: 5288132
Company: First Portfolio Servicing INC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 60611
Date Received: 2022-03-05T12:00:00-05:00
Date Sent to Company: 2022-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. XXXX sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the XXXX XXXX XXXX and a small claims case in XXXX County. I demand that information be blocked. Total notated " lost or stolen '' in the consumer statement section. This is unacceptable.
Frequently Asked Questions
What is Complaint #5288132 about?
Complaint #5288132 was filed against First Portfolio Servicing INC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-03-05T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.