Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal rebuttal to your XX/XX/2025, correspondence regarding the alleged Revvi Visa account you claim is mine. Your conclusions are factually and legally incorrect for the following reasons : 1. Fraudulent Name Usage The application you reference was not executed by me, the living man XXXX XXXX XXXX, but rather under a fictitious, corporate ALL-CAPS name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which constitutes a separate legal entity created without my consent. This corporate fiction is a government-issued transmitting utility and not the natural person. 

Proof in my possession includes : Evidence from prior credit reports showing all accounts tied to the ALL-CAPS entity, not my living name. 
Documentation from the State of Illinois showing my lawful name as XXXX XXXX XXXX. 
Affidavit of Status affirming I have never contracted with Revvi in my living capacity.

2. Illegal Credit Creation & Interest Charging Your business model appears to create credit by monetizing the alleged applicants Social Security Number, then issuing funds not from your own reserves but via a bookkeeping entry created from the alleged obligation itself in violation of 12 U.S.C. 411 and Regulation Z ( Truth in Lending Act ), as no lawful disclosure of source of funds or actual consideration was made.

By doing so, you : Extended credit created from my own credit-worthiness without proper disclosure.

Charged interest on an account funded by my own credit instrument an act prohibited under 15 U.S.C. 1605 and multiple Federal Reserve banking rules.

3. Deficiencies in Your Investigation Your so-called investigation relied solely on internal records not on independent, verifiable proof of a valid wet-ink contract signed by me in my living capacity. You have failed to produce : The original signed application with wet signature ( digital click-through is insufficient under fraud dispute standards ). 
Any evidence showing the funds originated from Revvis assets rather than my own credit.

A valid, lawful contract meeting the elements under 15 U.S.C. 1692g and UCC 3-401.

4. Federal Law Requirements for Fraudulent Accounts Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer reports an account as fraudulent and provides proof, the furnisher must block reporting within 4 business days. The CFPBs own guidance states that a valid Identity Theft Report is not the only permissible proof documentary evidence such as affidavits, government records, and name discrepancy evidence are sufficient.

I have provided and will again provide to CFPB sworn affidavits, government records, and documentary evidence showing : 1. The account was opened under a corporate fiction name.

2. No lawful contract exists with the living man.

3. The alleged credit was generated from my own credit without lawful disclosure.

5. Required Action Pursuant to federal law and the CFPBs enforcement authority, you are hereby directed to : Permanently delete the fraudulent account from all credit reporting agencies.

Cease all collection activity in any form.

Provide written confirmation of account deletion within 10 business days.

Failure to comply will result in : A formal complaint to the CFPB for violation of FCRA 623 and TILA/Regulation Z.

Civil litigation for fraud, identity theft, and unlawful credit creation, with damages sought under 15 U.S.C. 1681n and 1681o.

No contract exists. No lawful obligation exists. You are in continued violation by reporting this account. Remove it immediately. 

Sincerely, XXXX XXXX XXXX XXXX, Secured Party Creditor, Living Man XXXX XXXX XXXX

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