Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
I am filing a formal complaint against 1ST ACCESS/XXXX/VT for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding their inaccurate, misleading, and unlawful reporting of my credit account ( # XXXX ). This false reporting is damaging my creditworthiness and financial stability. 

Violations and Legal References 1. Knowingly Reporting False Information ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) This account is reported with contradictory last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which is false and misleading information in direct violation of FCRA accuracy requirements. 
The remarks section is inconsistent, stating " Purchased by Another Lender, '' " Charged Off Account, '' and " Transferred to Another Lender '' across different entries. These conflicting remarks misrepresent the true status of the account. 
Under FCRA 1681s-2 ( a ), creditors are prohibited from knowingly furnishing inaccurate information to consumer reporting agencies.

2. Inconsistent Late Payment & Payment History Reporting ( FCRA Violation 15 U.S.C. 1681e ( b ) ) The account falsely reports 1/1/1 late payments, yet payment history shows 100 % on-time payments in one section and 83 % in another section, creating a contradiction that misrepresents my payment history.

FCRA 1681e ( b ) requires credit furnishers to ensure the maximum possible accuracy in credit reporting, which has not been met.

3. False Representation of Debt & Account Status ( FDCPA Violation 15 U.S.C. 1692e ( 8 ) ) The account reports Unpaid Balance Reported as a Loss By XXXX XXXX, despite reflecting a {$0.00} balance and status as Charged Off and Transferred to Another Lender. 
FDCPA 1692e ( 8 ) prohibits debt collectors from misrepresenting the status of a debt or providing false credit information.

4. Failure to Correct Errors After Dispute ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed this account, yet 1ST ACCESS/XXXX/VT  has failed to conduct a proper investigation and continues to report contradictory and inaccurate information.

Under 15 U.S.C. 1681i ( a ), credit furnishers must investigate disputes within 30 days and correct inaccuracies immediately.

5. Debt Collection Law Violations Attempting to Collect an Invalid Debt ( FDCPA Violation 15 U.S.C. 1692f ( 1 ) ) 1ST ACCESS/XXXX/VT  has falsely reported a transferred/charged-off balance as outstanding, which is an attempt to collect a debt that is no longer legally owed. 
FDCPA 1692f ( 1 ) prohibits any attempt to collect a debt that is not legally owed or accurately reported.

Requested Resolution : I demand immediate deletion of this account from my credit report due to multiple violations of federal law listed above. Any delay, stall tactics, or refusal to correct these errors will be considered willful noncompliance.

Furthermore, under 15 U.S.C. 1681n and 1681o, I am entitled to statutory damages of up to {$1000.00} per violation, along with actual damages and attorneys fees. This is my final warning before I escalate this matter to legal proceedings. 

Please resolve this complaint immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation