Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5616606
Complaint Overview
Complaint ID: 5616606
Company: Consumer Portfolio Services, 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: Georgia
ZIP Code: 30022
Date Received: 2022-05-27T12:00:00-05:00
Date Sent to Company: 2022-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I have filed XXXX complaints against Consumer Portfolio Services XX/XX/XXXX, XX/XX/XXXX due to there being a number of inconsistency with Consumer Portfolio Services. 1 ) Consumer Portfolio Services is currently reporting on my credit reports that this account is " CLOSED and CHARGED OFF. '' This account Currently states it is " CHARGED OFF '' as XX/XX/XXXX with last payment being made XX/XX/XXXX on all three credit bureaus. 2 ) Consumer Portfolio Services has reported the " HIGHTEST BALANCE as {$13000.00} XXXX, XXXX, " HIGHTEST BALANCE as {$12000.00} with XXXX ( which has since been removed ) on my credit report. I requested a 1099C form from Consumer Portfolio Services to file with my Taxes, a form in which they are refusing to send me, but since this is a " CHARGE OFF '' and was claimed as a income by the " ORIGINATOR ''. I need this 1099C to file with my Taxes and this account should be removed from my credit report immediately. Consumer Portfolio Services is constantly refusing to remove this account and all " DEROGATORY '' information from my XXXX, XXXX credit report.
Frequently Asked Questions
What is Complaint #5616606 about?
Complaint #5616606 was filed against Consumer Portfolio Services, 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 2022-05-27T12:00:00-05:00.
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.