Consumer complaint received 2025-11-14 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
b'I am submitting this complaint regarding the Total Visa credit card (issued by Total Card, Inc.), which has repeatedly reported inaccurate late payment information to all three credit bureaus for the month of XXXX, despite my account being paid on time and paid multiple times within the billing period.\n\nBelow is a summary of the issues that require review:\n\n\n\nXXXX Total Visa reported an XXXX XXXX-day late that did NOT occur\n\nI have attached my payment history, which clearly shows:\n\t\tXXXX XXXX\n\t\t0XXXX XXXX\n\t\tXXXX XXXX\n\t\tXXXX XXXX\n\t\tXXXXXXXX XXXX\n\nThis shows multiple payments, well over the amount due, and none of the payments were XXXX days late based on any standard credit-card grace period.\nDespite this, the creditor reported the XXXX payment as XXXX  days late to:\n\t\XXXX\n\t\XXXX\n\t\XXXX\n\nThis inaccurate reporting has immediately and substantially harmed my credit profile, including my mortgage underwriting.\n\n\n\nXXXX. Statement for that billing cycle was never provided\n\nTotal Visa did not deliver a statement for the XXXX billing period.\nI did not receive:\n\t\tA paper statement\n\t\tAn emailed statement\n\t\tAn online statement notification\n\nUnder 12 CFR 1026 (Regulation Z), credit card issuers are required to provide a monthly periodic statement at least XXXX  days before the due date, especially if they intend to charge a late fee or report a late payment.\n\nTotal failed to do so.\n\nThis makes the late reporting invalid under federal law.\n\n\n\nXXXX. The billing cycle was XXXX  DAYS, not the standard XXXX  days\n\nMy statement shows a XXXX-day billing cycle  far outside regulatory norms.\n\nAn irregular cycle of that length:\n\t\tViolates Regulation Z timing requirements\n\t\tCreates a situation where a customer cannot reasonably determine the due date\n\t\tCauses incorrect delinquency reporting\n\nThis is a creditor system issue, not a customer failure.\n\n\n\nXXXX. The account is defective and not functioning in accordance with federal billing regulations\n\nThe combination of problemsmissing statements, unstable billing cycle, inaccurate reportingshows a pattern of system defects, not consumer fault.\n\nMy payments show I was actively paying, overpaying, and paying early.\n\n\n\nXXXX. Requested Resolution\n\nI am requesting the CFPB assist in enforcing the following corrections:\n\tXXXX.\tImmediate removal of the XXXX  late payment from all three credit bureaus\n\tXXXX.\tCorrection of any negative scoring impact resulting from this error\n\tXXXX.\tReview and correction of the irregular billing cycle\n\tXXXX.\tVerification that periodic statements and proper notice procedures will be followed in the future\n\nI have acted in good faith, and my payment history supports that.\nThe negative reporting is entirely due to the creditors procedural errors, not my behavior.\n\nThank you for your attention and assistance.\n\nXXXX XXXX'

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation