Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute, Method of Verification Request, and Personal Information Corrections FCRA : 15 U.S.C. 1681e ( b ), 1681g, 1681i ; furnisher duties under 1681s-2 ( b ) To Whom It May Concern : I dispute the accuracy and completeness of the items below and request a reinvestigation under 15 U.S.C. 1681i. Please delete any information that can not be verified with competent evidence. Provide the method of verification per 1681i ( a ) ( 6 ) ( B ) ( iii ), including the furnishers name, address, phone, and the specific data elements used. I also request corrections to my personal information as noted. 

A ) Medical Collections {$1400.00} ( Acct # XXXX ) and {$1400.00} ( Acct # XXXX ) Reported by XXXX as Collection/Unknown with balance {$1400.00} each ; Original Creditor Medical Payment Data ; Date Opened around XX/XX/XXXX and Last Reported XX/XX/XXXX. 

XXXX XXXX XXXX Credit Issues : No itemized basis, duplicate balances reported as separate files, missing documented DOFD ( XXXX XXXX Field XXXX ) used for obsolescence ; status coding inconsistent with validation standards. 

FCRA : 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( 5 ) ( A ) ( delete if unverifiable ).

Demand : Delete both or provide itemized statements, chain of title/assignment, and the exact DOFD source furnished. 

B ) Medical Collection {$600.00} ( Acct # XXXX ) XXXX shows Collection/Unknown ; balance {$600.00} ; Date Opened XX/XX/XXXX ; Date Closed XX/XX/XXXX ; furnisher XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX : DOFD source not provided ; contradictory Unknown status ; no itemized validation. 

FCRA : 1681e ( b ), 1681i. 
Demand : Delete or provide itemized validation and DOFD source used. 

C ) Utility Charge-Off ~ {$820.00} ( XXXX XXXX XXXX Experian shows Charge-off with balance {$820.00}, closed XX/XX/XXXX ; past-due shows {$0.00} while status is charge-off ; contact : XXXX XXXX. 

XXXX XXXX XXXX Credit Issues : Post-charge-off elements must be internally consistent ; XXXX XXXX requires aligned Account Status, Current Balance/Past Due, Payment Rating/Profile, and supported DOFD ( Field 25 ).

FCRA : 1681e ( b ), 1681i.

Demand : Delete or correct to a single, consistent CO with validated DOFD.

D ) Auto Installment Charge-Off ~ {$20000.00} ( Consumer Portfolio Service ) XXXX shows Charge-off ; balance {$20000.00} ; Past Due {$0.00} ; Date Opened XX/XX/XXXX ; Last Reported XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Issues : Cross-bureau conflicts in status/past-due vs. charge-off ; DOFD not evidenced.

FCRA : 1681e ( b ), 1681i ; furnisher duties 1681s-2 ( b ).

Demand : Delete for unverifiable contradictions or provide DOFD source and aligned XXXX XXXX fields. 

E ) Legacy Utility CO ~ {$85.00} ( XXXX XXXX XXXX XXXX XXXX shows Charge-off ; balance {$85.00} ; open XX/XX/XXXX ; closed XX/XX/XXXX. 

XXXX XXXX XXXX Credit Issues : Ensure obsolescence is calculated from actual DOFD, not Date Updated. 

FCRA : 1681c ( a ) ( obsolescence ), 1681e ( b ).

Demand : Verify DOFD ; delete if unverifiable/out of compliance. 

F ) Personal Information Corrections Remove outdated/incorrect addresses ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) and retain my current address shown above ; correct name to XXXX XXXX XXXX only. 

XXXX XXXX XXXX Credit Requested Remedies : Delete any unverifiable/non-compliant items ; 2 ) Provide full method of verification ; 3 ) Send updated results and a fresh copy of my file. 

Sincerely, XXXX XXXX XXXX Attachments : XXXX XXXX ; Proof of Address ; Annotated report pages ; Personal Information Exhibit

Company response to consumer: Closed with explanation