Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Company Complained About : XXXX  Describe what happened On XX/XX/year>, I filed a comprehensive dispute with XXXX, which was assigned Report Number : XXXX. I received a confirmation document from XXXX on that date acknowledging my submission. However, when I later attempted to follow up on the status of my dispute, I was told by an XXXX representative that no such dispute report exists in their system. 

This is directly contradicted by the information on XXXXXXXX XXXX own website, which states for my dispute, " Your dispute results are currently not available online, '' and provides the phone number XXXX for assistance. This message acknowledges a dispute but provides no results or path to resolution. 

A central issue in my dispute is the inaccurate reporting of an account serviced by Select Portfolio Servicing. My XXXX report fails to show my consistent, on-time payments for this account. To verify the source of the error, I contacted Select Portfolio Servicing directly. They confirmed that they are, in fact, reporting my payments correctly to all three major credit bureaus ( XXXX XXXX XXXX XXXX ). They further confirmed that their most recent data transmission to all three bureaus occurred on XX/XX/year>. 

My credit reports with XXXX XXXX XXXX corroborate the information from Select Portfolio Servicing, as they both accurately reflect my payment history for this account. This confirms the error lies solely with XXXX. 

XXXX has failed in its duties under the Fair Credit Reporting Act. It has failed to conduct a reasonable investigation into my dispute, failed to correct my credit report to reflect the accurate information being furnished by my creditor, and is now compounding the issue by claiming my documented dispute does not exist. This negligence has caused and continues to cause a significant negative impact on my credit report and credit score. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like XXXX are required to conduct a reasonable reinvestigation of disputed information, typically within 30 days of receiving a dispute from a consumer [ 2023 U.S. Code : : Title 15 - Commerce and Trade : : Chapter 41 - Consumer Credit Protection : : Subchapter III - Credit Reporting Agencies : : Sec. 1681i - Procedure in case of disputed accuracy ]. If, after the reinvestigation, the information is found to be inaccurate or can no longer be verified, the agency must promptly delete or modify the information [ Procedure in case of disputed accuracy ]. Your description of events suggests a potential failure by XXXX  to meet these statutory obligations [ 15 U.S. Code 1681i - Procedure in case of disputed accuracy ]. Consumer reporting agencies can not avoid their obligation to investigate by imposing demands on consumers beyond what the law specifies [ Consumer Financial Protection Circular XXXX ].

Company response to consumer: Closed with explanation