Consumer complaint received 2017-10-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX - I was notified that my loan was transferred from XXXX XXXX resolutions to Select Portfolio Servicing ( XXXX ), Inc. I contacted XXXX  mid XXXX to inquire how I go about making payments to them. They stated I can call every month and phone in a payment. 
XX/XX/XXXX I called XXXX and made a payment in the amount of {$130.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - my credit report reported that XXXX had charged off my account and it reflected that I was past due {$270.00} on my account. This was not a true reflection since I had made three payments to them. 
XX/XX/XXXX - I immediately called XXXX and filed a dispute with their advocacy dept. I informed them that they had not reported to the 3 credit agencies my payments. They stated it would take 30 days to resolve. I am a patient person, but if they made the error from the beginning, I feel XXXX can see my payment history and update accordingly. 
XX/XX/XXXX - I took the proactive approach and filed 3 disputes, each with the 3 credit agencies. XXXX XXXX # XXXX, XXXX dispute # XXXX and XXXX XXXX # XXXX. I wrote letters to each credit agencies, I faxed all my supporting documentation, I also mail certified my disputes. I felt it was best to reach them all ways possible. 
XX/XX/XXXX - XXXX sent me a letter informing me it will take 30 days to review, research and get back to me. Time is of the essence here since I am working on other financial matters that require my credit score to be in tact. 
XX/XX/XXXX - I called XXXX to see if they can expedite this for me. I spoke to XXXX XXXX who transferred me to XXXX. Their response was that I should hear back no later than XX/XX/XXXX. 
XX/XX/XXXX - I filed a compliant with the Dept. Of Financial Institutions. I feel this should have never happened. I paid, they failed to report. Now here I am, trying hard, from all angles to get this resolved in a more timely fashion. 
I have all supporting documentation to support these statements. I have letters i wrote, copies of my emails, copies of credit report, copies of my banking statements reflecting that XXXX received money and they did not report that I did so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation