Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Per previous complaint XXXX I was exposed in several data breaches including XXXX data breach. I give XXXX permission to proceed with this complaint. I have sent over id theft reports and police reports and have asked XXXX several times to remove the fraudulent account and provide validation of debt. They have failed to throughly investigate 15USC 1681i ( a ) 6 ( B ) 3, 15USC 1681i ( a ) 5 ( B ) *SPS ( Select Portfolio ) Account number XXXX $ XXXX account needs to be removed. To make matters worse this account had to be included in chapter XXXX bankruptcy and has been discharged, XX/XX/XXXX case # XXXX. XXXX continues to not only report this fraudulent account but to also refuse to put account back at XXXX balance. I was told they never received notice if my bankruptcy when the courts notifies all major credit reporting agencies and it was marked on report before. It is against the law to try to collect on a debt that has been discharge by XXXX bankruptcy court. A creditor who violates this order can be held in contempt of court and required to pay damages and attorney fees to the debtor which is myself. 

On XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX on chat and phone about this issue and was told by XXXX in the special handling dept that he can not access my file to help me and that it has to be sent for maintenance to call back in 5 business days. I however called back today XX/XX/XXXX and spoke with XXXX XXXX a supervisor in special handling, because I received alerts of adverse information that does not belong to me. There was addresses, phone numbers, employers, and accounts added that I am not familiar with after this said maintenance. I have asked was my file merged with someone? Where did they get this information I have not been associated with. I asked her to validate the social on these accounts with my real social she states she can remove the incorrect personal information but can only dispute the accounts. 

INACCURATE NAME : XXXX XXXX XXXX INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX ( not a real address ) XXXX XXXX XXXX XXXX XXXX, il XXXX INACCURATE PHONE NUMBERS : XXXX XXXX XXXX XXXX INACCURATE EMPLOYER : XXXX XXXX INACCURATE ACCOUNTS XXXX XXXX XXXX XXXX XXXX {$5500.00} Joint account open XX/XX/XXXX XXXX XXXX XXXX * XXXX {$0.00} open XX/XX/XXXX Capital XXXX XXXX {$310.00} open XX/XX/XXXX XXXX  XXXX XXXX {$0.00} open XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} open XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} open XX/XX/XXXX These accounts need to be removed they are not mine and was merged somehow after some type of maintenance to my file.I have asked did I need to send proof of identity and was told no. This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that I received goods or services. A credit reporting agency must follow reasonable procedures every time it prepares a credit report to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C.

1681e ( b ). Not only are the credit agencies required to create reasonable procedures to ensure that information on credit reports is accurate, furnishers must also create reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a credit agency. 12 C.F.R. 1022.42.15 U.S.C. 1681i provides consumers with the power to dispute inaccurate information that is listed on their credit reports. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement i
mposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
SINCERELY XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation