Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/scrub> XXXX XXXX TOTAL VISAXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FORMAL DISPUTE of Inaccurate and Incomplete Account Information ( Account No. ending XXXX ) Dear TOTAL VISAXXXX  Compliance Department , I am writing to formally dispute the accuracy and completeness of the information you are furnishing to the Credit Reporting Agencies ( CRAs ) regarding the above-referenced account. I demand an immediate and reasonable reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ).

The current reporting status is factually contradictory, misleading, and violates your duty as a furnisher under 15 U.S.C. 1681s-2 ( a ) ( Duty of furnishers of information to provide accurate information ).

1. The Contradiction and Incompleteness The report contains the following conflicting data points for Account No. ending XXXX : Account Status : CHARGE_OFF Balance : {$0.00} Activity Designator : TRANSFER_OR_SOLD This combination is inherently misleading. Reporting a {$0.00} Balance alongside a CHARGE_OFF status, especially after the account was designated as TRANSFER_OR_SOLD, strongly implies that the debt has been fully resolved, legally canceled, or sold for a final amount that makes the balance due to the original creditor XXXX. 

If the balance is truly {$0.00}, the status of " CHARGE\_OFF '' is incomplete because it fails to report the final, resolved status of the account ( e.g., " Account Paid, '' " Settled for {$0.00}, '' or " Account Resolved '' ). Retaining only the derogatory " CHARGE\_OFF '' status without the corresponding resolution date or " paid '' indicator is an inaccurate and incomplete representation of my credit history. 

2. Demand for Correction and Deletion Pursuant to your duties under the FCRA, I demand that you immediately conduct a reasonable investigation into this inconsistency. You must either : 1. Correct the Status : Update the status to reflect the full resolution, such as " Closed - Paid/Settled for {$0.00} '' with the corresponding date, OR 2. Delete the Tradeline : If the {$0.00} balance is due to a full legal cancellation or sale of the account that can not be accurately updated to a non-derogatory status, you must delete this entire tradeline * * from all Credit Reporting Agencies to prevent the reporting of inaccurate and incomplete information.

Be advised that failure to perform a reasonable investigation and correct or delete this inaccurate information will demonstrate a willful failure to comply with the duty to investigate under 15 U.S.C. 1681s-2 ( b ) and will lead to a claim for damages, including statutory damages and attorney 's fees, under the FCRA ( 15 U.S.C. 1681n and 1681o ). 

Sincerely, XXXX XXXX XXXX XXXX Account Number XXXX XXXX Enclosures : Copy of the Credit Report showing Account No. ending XXXX.

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