Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (FL)

Formal Dispute of Improper Use of Credit Report and Violations of the Fair Credit Reporting Act I am writing to formally report a series of serious issues concerning the improper use of my credit report and violations of my rights under the Fair Credit Reporting Act ( FCRA ). While I was deployed on XX/XX/XXXX ( XX/XX/XXXX ) to XX/XX/XXXX ( XX/XX/XXXX ) and from XX/XX/XXXX ( XX/XX/XXXX ) to XX/XX/XXXX ( XX/XX/XXXX ) as an active member of the military I have encountered significant problems with my credit report that include allegations of racial profiling, a defective vehicle issue, and unauthorized reporting. 

1. Violations of the Fair Credit Reporting Act a. Privacy Rights Violations Under 15 U.S.C. 1681, I have the right to privacy concerning my credit information. My credit report has been accessed and utilized without my consent, which is a violation of my privacy rights. This includes unauthorized access by [ CONSUMER PORTFOLIO SVC/CAR DEALER ] and the reporting of inaccurate information while I was on military deployment b. Permissible Purpose and Instructions According to 15 U.S.C. 1681b and 15 U.S.C. 1681c, consumer reporting agencies and creditors must have a permissible purpose to access my credit report and must act according to my instructions regarding reporting. I did not authorize [ CONSUMER PORTFOLIO SVC/CAR DEALER ] to report any information regarding my accounts while I was on military deployment nor did I provide instructions for such reporting.

c. Incorrect Reporting of Payments Per 15 U.S.C. 1681s-2, creditors are prohibited from inaccurately reporting late payments after advising consumer to put accounts on hold or pick the car due to military deployment and Despite my timely payments since I returned from deployment [ CONSUMER PORTFOLIO SVC/CAR DEALER ] has reported these payments as late. This misrepresentation is a clear violation of this provision. 

2. Defective Vehicle Issue I purchased a vehicle from [ CONSUMER PORTFOLIO SVC/CAR DEALER ] that was defective ( specifically with rotor damage that prevented it from passing a state inspection ). I reported this issue to [ CONSUMER PORTFOLIO SVC/ CAR DEALER ] and requested either a pickup of the defective vehicle or to place my account on hold until my return from deployment. My request was denied, and [ CONSUMER PORTFOLIO SVC/CAR DEALER ] failed to address the issue adequately but rather resolved in aggressive and malicious attacks of my character and reputation. Consequently, the creditor reported my payments as late, exacerbating the situation.

3. Allegations of Racial Profiling The handling of my credit information and the negative reporting may be influenced by racial profiling. This unfair treatment has resulted in discriminatory practices, which are in violation of the Equal Credit Opportunity Act ( ECOA ) and other relevant anti-discrimination laws.

4. Identity Theft and Fraud The misuse of my credit report and the reporting of unauthorized and inaccurate information raise concerns of aggravated identity theft under 18 U.S.C. 1028. This mishandling has caused substantial harm to my financial standing and personal well-being and as well as compromising my security and safety also I have not beable to get decent apartment to settle down to mentally recalibrate myself in other to perform my duties effectively as an active military since my return from deployment 5. Damages and Impact The improper reporting has caused defamation of my character, emotional distress, and XXXX, enxiety as well as compromised my safety as an active military in the public. The inaccuracies and unauthorized disclosures have significantly impacted my financial and personal life. 

6. Requested Actions Given these serious violations, I request that the CFPB : Investigate the improper use of my credit report and the alleged violations of the FCRA and other federal laws. 
Assist in correcting the inaccuracies reported by XXXX, XXXX, and XXXX. 
Facilitate compensation for the damages incurred, including emotional distress and reputational harm.

Ensure that the allegations of racial profiling and unauthorized access are thoroughly examined and addressed.

7. Supporting Documentation I have attached the following documents to support my claims : Copies of credit reports from XXXX, XXXX, and XXXX. 
Documentation regarding the defective vehicle and correspondence with [ Creditor/Dealer Name ]. 
Evidence of racial profiling and unauthorized access. 
Proof of timely payments and related communications. 
Please confirm receipt of this letter and provide an update on the actions taken regarding these issues. I look forward to your prompt response and resolution of these serious concerns. 

Thank you for your attention to this matter. 

Copies of credit reports Proof of timely payments Correspondence regarding the defective vehicle Evidence of racial profiling and unauthorized access