Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX/XXXX/2025 CONSUMER PORTFOLIO SVCS, INC XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Re : Account Number : XXXX, Dispute of Repossession Record Dear CONSUMER PORTFOLIO SVCS, INC I am writing to formally dispute the repossession record on my credit report pertaining to the vehicle XXXX XXXX XXXX, which was financed through your institution under account number XXXX. I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting. I kindly request your investigation into the matter and, if warranted, the removal of the repossession record from my credit report.

As a consumer protected by the FCRA, I have the right to challenge any inaccurate or incomplete information on my credit report. Furthermore, both the FDCPA and the UCC laws outline specific guidelines for the lawful repossession and subsequent reporting of secured vehicles. I assert that the repossession of my vehicle did not align with these provisions due to the following reasons : Violation of Notice and Right to Cure Default : According to [ applicable state law or relevant section of the FDCPA/UCC ] , it is mandated that creditors provide written notice of default and an opportunity to cure it before proceeding with repossession. Regrettably, in my case, I did not receive any such notice or an opportunity to rectify the default prior to the repossession.

Breach of Peace during Repossession : The repossession agent engaged in actions that violated the " breach of peace '' provision as outlined in Section 9-609 of the UCC. They used force such as unauthorized entry into a secured premises or use of physical force/threats during the repossession process.

In light of these concerns, I earnestly request a thorough investigation of the repossession process, focusing on compliance with the required notices and adherence to consumer protection laws. If your investigation uncovers any violations of these laws, I kindly request the removal of the repossession record from my credit report in accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which stipulates the provision of accurate information to credit reporting agencies.

To facilitate your investigation, I have enclosed copies of relevant documents supporting my dispute [ if applicable, list specific documents, such as correspondence or proof of payment ]. I urge you to review these materials and provide a written response within the statutory 30-day period, as mandated by the FCRA. Should you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I anticipate your timely response and a satisfactory resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation