Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7597995
Complaint Overview
Complaint ID: 7597995
Company: First Portfolio Servicing INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 11223
Date Received: 2023-09-24T12:00:00-05:00
Date Sent to Company: 2023-09-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXXXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on XXXX and XXXX. XXXXXXXX XXXX reported late payments on all 3 bureaus. XXXX reported late payments on all 3 bureaus. XXXX XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on all 3 bureaus. DeptedXXXX reported late payments on all 3 bureaus. In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Frequently Asked Questions
What is Complaint #7597995 about?
Complaint #7597995 was filed against First Portfolio Servicing INC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-09-24T12:00:00-05:00.
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 reporting 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.