Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
This issue began in XXXX, when my XXXX XXXX was approximately XXXX. Since then, it has fallen to XXXX, with periods where it dropped even lower due to multiple inaccurate and harmful credit entries. 

XXXX XXXX I requested that my XXXX account be closed in XXXX, but the account was not properly closed. XXXX later claimed that I owed a balance. However, because the account was closed, I could not log in to verify the charge or view the billing history. XXXX subsequently sold the account to collections, and this false debt appeared on my credit report twice : once in XXXX, and again late last year ( XXXX ). 

This reappearance of the debt caused my XXXX XXXX to drop dramaticallyfrom the XXXX to the low XXXX, despite the fact that I have never owed a bill in my life. After multiple disputes, the item was eventually removed when the collection agency could not verify the debt. 

XXXX. XXXX XXXX XXXX In XXXX, I visited XXXX XXXX XXXX for a head injury and fractured XXXX XXXX. I was XXXX the same day. Despite that, the hospital billed me for : A XXXX test that was never performed ( I did not provide a XXXX sample ), XXXX charges for drugs I never received. 

Additionally, a XXXX  they referred me to requested my medical records, which were not provided. I personally made multiple written and verbal requests for my full medical file and itemized bill. It wasnt until XXXX or XXXX XXXX laterthat I finally received an itemized bill after repeated attempts. 

Despite disputing the charges, the hospital submitted the bill to a collection agency, who then sold the debt again to another third party. I was never notified of these collections, and the agency made misleading and harmful statements implying I was a criminal or could not be located. 

XXXX Credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derogatory marks on my credit report without verifying the accuracy or allowing me to dispute before posting. Specifically : In XX/XX/XXXXXXXX XXXX shared negative information with XXXX, which led to me being denied a credit card. 
In XX/XX/XXXXXXXX XXXX shared similar derogatory information with XXXXXXXX XXXX, even though I do not have an account with XXXX. XXXX had no record of the report when I contacted them. 

These false reports have resulted in : XXXX XXXX declines from XXXX to as low as XXXX, Multiple denials of credit cards and inquiries into accounts I never applied for, Emotional and reputational harm. 

Despite requests to remove unauthorized credit inquiries and misinformation, I was told I must file this report here before any action could be taken. 

XXXX. Impact on Me These events have severely impacted my financial life : My ability to get credit has been hindered, My XXXX XXXX has suffered permanent damage, I have spent XXXX years disputing inaccurate data, I am now being required to rebuild my credit from dishonest actions I did not cause. 

Even after items were removed, my score did not recover to its original state.

Company response to consumer: Closed with explanation