Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XX/XX/year> Consumer Portfolio Services , Inc . 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA Request for Immediate Deletion Dear Consumer Portfolio Services , INC . 

I am writing to formally dispute the reporting of an auto loan ( Consumer Portfolio Services , Inc., account # XXXX ) on my credit report. This account is inaccurate and unjustly impacting my credit score. I am requesting its immediate removal based on the following factual inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ) : Factual Reasons for Deletion : 1. Lack of Legal Obligation : I never signed a legally binding agreement to be financially responsible for this debt. 
If the creditor can not provide a contract with my signature confirming my obligation, the account must be deleted under FCRA 611 ( 15 U.S.C. 1681i ), which mandates the removal of unverifiable information.

2. I Do Not Have a Drivers License and Do Not Own or Drive the Vehicle : I do not possess a valid drivers license and have never legally purchased or taken possession of this vehicle.

Since I was not legally capable of purchasing the car, it is incorrect to hold me accountable for its payments.

3. Failure to Provide Notice Before Charge-Off : The creditor never notified me of the charge-off before reporting it to the credit bureaus.

This failure violates FCRA 605A ( 15 U.S.C. 1681c-1 ), which states that creditors must provide notice before reporting negative information.

4. Forced to Pay Despite the Charge-Off : Even after reporting the charge-off, the creditor continued demanding payments from me, which is contradictory and misleading credit reporting.

A charge-off means the creditor has written off the debt as uncollectible. Continuing to collect suggests the account status is inaccurate and misleading.

5. Another Individual is Legally Responsible for the Loan : There is already another individual responsible for this loan.

If the lender can not provide legal documentation proving I am a co-borrower or co-signer, this account must be removed under FCRA 623 ( 15 U.S.C. 1681s-2 ), which mandates that only accurate and verifiable information be reported.

6. Potential Identity Misuse or Fraud : If this account was created using my information without my full knowledge or consent, it constitutes fraudulent reporting.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must block fraudulent or unauthorized accounts upon dispute.

Requested Actions : Immediately investigate this dispute and delete this account from my credit file if it can not be verified.

Provide the original signed contract proving my legal responsibility for this debt.

Explain why I was not notified before the charge-off, and if the charge-off was improper, remove it immediately.

Correct my credit report to reflect the accurate information regarding my financial obligations. 

I have enclosed a copy of my identification and a copy of my credit report with the disputed account highlighted. If this matter is not resolved within 30 days, as required by law, I will pursue all legal remedies to enforce my rights. 

Please provide a written response to this dispute at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation