Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhester, PA 19016-2000 Re : Dispute of CENTRAL PORTFOLIO CONTRO collection account under FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern : This letter is a formal dispute of a negative collection account on my credit file under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( duty to follow reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( consumers right to reinvestigation of disputed information ). I request that you conduct a reasonable reinvestigation of the account listed below and delete it from my credit report or fully correct any and all inaccuracies that can not be verified as required by law. [ fcra XXXX ] Disputed account information ( from my report ) Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Reported Balance : {$310.00} Original Balance : {$310.00} Status : Collection account / Potentially negative Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Basis of my dispute ( Choose and edit the reasons that actually apply to you ; delete what does not apply. ) This account does not belong to me and appears to be the result of a mixed file or possible identitytheftrelated error. Reporting an account that is not mine is inaccurate and violates your obligation to maintain maximum possible accuracy under XXXX U.S.C. 1681e ( b ), and the furnishers duty not to report information it knows or has reason to know is inaccurate under 15 U.S.C. 1681s2 ( a ).

If this account is alleged to be mine, I dispute its accuracy and completeness. The balance, dates, and/or status may not match the actual obligation, may reflect improper reaging, or may not accurately reflect payments or resolutions, which is inconsistent with your FCRA duties under 15 U.S.C. 1681e ( b ) and 1681c ( a ) ( time limits on reporting adverse information ).

The collector and original creditor have not provided sufficient documentation to prove that this debt is valid, that they are authorized to collect, and that the information reported is complete and accurate. Any information that can not be verified must be deleted from my file under 15 U.S.C. 1681i ( a ) ( 5 ). [ consumerfinance +2 ] Requested actions Pursuant to FCRA 611, 15 U.S.C. 1681i : 1. Conduct a reasonable reinvestigation of the CENTRAL PORTFOLIO CONTRO collection account and any related tradelines. If the furnisher can not fully verify the accuracy and completeness of the account ( including ownership, balance, dates, and status ), please delete this account from my credit file.

2. If the account is verified, correct any and all inaccurate or incomplete information, including but not limited to balance, status, payment history, dates, and the on record until date, and ensure all consumer reporting agencies receive the corrected data.

3. Provide me with written results of the investigation and a free updated copy of my credit report, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( 7 ).

4. Notify the furnisher ( s ) of this dispute and require them to fulfill their investigation and correction duties pursuant to 15 U.S.C. 1681s2 ( b ).

5. If you do not delete or correct this account, please include my statement of dispute in my file and in all future consumer reports that contain this account, as allowed by 15 U.S.C. 1681i ( b ). [ XXXX XXXX ] Enclosures To assist your investigation, I am enclosing : A copy of my governmentissued ID Proof of my current address ( e.g., utility bill or bank statement ) A copy of my credit report page where the CENTRAL PORTFOLIO CONTRO account is shown, with the account clearly highlighted Any supporting documentation relevant to this account ( e.g., payment confirmations, settlement letters, fraud/identitytheft reports, or correspondence with the collector ) Please complete your reinvestigation within the timeframe required by the FCRA ( generally 30 days from your receipt of this dispute ) and respond in writing to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation