Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
I am filing this complaint regarding a Revvi credit card account that is currently being reported on my credit reports. I have never applied for, opened, authorized, or used a Revvi credit card account. This account is fraudulent and does not belong to me. 
Despite never having any relationship with Revvi or XXXX XXXX XXXX, this account is being reported to the credit bureaus under my name and personal information. This is causing significant harm to my credit profile, financial reputation, and ability to obtain credit. 
This reporting constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including but not limited to : Reporting inaccurate and unverified information Failure to ensure maximum possible accuracy Failure to conduct proper identity verification before furnishing data Furnishing fraudulent account information to credit reporting agencies I am formally disputing this account as fraudulent. I demand that Revvi and XXXX XXXX XXXX immediately : Conduct a full fraud investigation Provide written proof of the original signed application and identity verification used to open this account Immediately cease reporting this fraudulent account to all credit reporting agencies Permanently delete this account from my credit files with XXXX XXXX and XXXX Provide written confirmation of deletion and account closure Preserve all records related to this account, as this letter serves as a formal litigation hold notice If this account was opened as a result of identity theft, your failure to properly verify identity prior to opening and reporting the account represents negligent and unlawful conduct. 
If this matter is not resolved promptly, I will pursue all available remedies under federal and state law, including claims for damages under the Fair Credit Reporting Act and identity theft statutes. 
This fraudulent reporting has caused emotional distress, financial harm, and damage to my creditworthiness. I expect immediate correction and written confirmation of resolution. 

I am formally disputing this account as fraudulent. I demand that Revvi and XXXX XXXX XXXX immediately : - Conduct a full fraud investigation -Provide written proof of the original signed application and identity verification used to open this account -Immediately cease reporting this fraudulent account to all credit reporting agencies -Permanently delete this account from my credit files with XXXX XXXX XXXX XXXX XXXX -Provide written confirmation of deletion and account closure -Preserve all records related to this account, as this letter serves as a formal litigation hold notice If this account was opened as a result of identity theft, your failure to properly verify identity prior to opening and reporting the account represents negligent and unlawful conduct. 

If this matter is not resolved promptly, I will pursue all available remedies under federal and state law, including claims for damages under the Fair Credit Reporting Act and identity theft statutes. 
This fraudulent reporting has caused emotional distress, financial harm, and damage to my creditworthiness. I expect immediate correction and written confirmation of resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation