Consumer complaint received 2022-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am told not to include any personal information such as my name address Social Security number etc. so I will provide all of that on the letters to the collection agencies and to the credit companies. I am writing in reference to not only all three of the credit reporting agencies XXXX XXXX, XXXX, and the most rude and ignorant one XXXX. I am also writing in reference to portfolio recovery services and the original creditor is XXXX  XXXX who sold the debt to portfolio recovery services. 
Not only have I been disputing this, battling this, and also have done a report with your company as well before but I have been dealing with XXXX and XXXX for the past two years trying to get help and get these things resolved it off of my credit report. Portfolio recovery services will not respond and does not listen or adhere to the notarized statement I sent them letting them know that I did not open up this fraudulent account in XXXX nor did I default on this fraudulent account that was sold to them in XXXX. This fraudulent account is now twice on all of my credit reports under portfolio recovery services original creditor XXXX  XXXX. I will listed below I am done going through this I will not keep disputing this and sending them the proper information they request when they know that this is fraudulent and I have done everything Im supposed to do not only with the credit companies But also with the original grantor XXXX XXXX as well as the buying debt collector portfolio recovery services. 
So now Im doing everything I have to including hiring the attorney and I will be collecting on these companies if they do not take the proper action to resolve this this is very unfair in XXXX to XXXX I was in XXXX in a state XXXX that is on paper and that I do not have to provide that information based on my HIPAA laws. However I have no problem providing the information because I have nothing to hide and it is proof that I did not open up the original accounts by XXXX  XXXX in XXXX. Not only are the accounts being reported on my credit report but they are also being reported in accurately as open which they have been closed obviously and bought out by the debt collector portfolio recovery services. 

So like I said XXXX and XXXX still have these two negative and fraudulent accounts on the credit reports and will not remove them. This month XX/XX/XXXX I sent the notarized statements and letters stating that I was indeed in XXXX when these false accounts were opened and that I was disputing this information once again and that I was reporting this not only to the consumer financial protection bureau but also the federal trade commission and XXXX XXXX XXXX XXXX. Im done dealing with this and would like something done immediately not only with portfolio recovery services but with XXXX and XXXX I am complaining on these companies right here. 

On XXXX report Portfolio recovery services Act number XXXX is beginning only shows beginning Account # -Original creditor XXXX XXXX  they open XX/XX/XXXX which is a lie the original debt was opened in XXXX by XXXX  XXXX XXXX  at an address that I had never lived that. It says that the balance is {$650.00} that the terms are one month and that this is seriously past due assigned to attorney and collection agency number one this information is an accurate the original opening was XXXX the date open by portfolio recovery services was XX/XX/XXXX of XXXX Also on XXXX the report portfolio recovery services account number XXXX Original creditor XXXX  XXXX account type that buyer date open XX/XX/XXXX that must be the date portfolio recovery association bought it because this debt was also open in XXXX by a fraudulent person at an address that I have never lived at. It is also reporting a balance of {$830.00} Saying that the terms are one month and nothing else so obviously it is being reported in accurately as well because this account is not opened and this is a fraudulent account and this is the second item portfolio recovery Association has on my XXXX credit report and they will not get rid of it or help me and I recently sent them everything they needed to know XXXX Credit Report No one XXXX report this is horrible because it says no account number it just says portfolio recovery a original creditor XXXX  XXXX XXXX  account type open account right there that is a lie this account is not open the date opened it says XX/XX/XXXX balance is {$830.00} and responsibility individual account collection account this is reported in accurately this is a fraudulent account opened up by XXXX XXXX in XXXX at an address that I have never lived that. And it is also being reported as open which is a lie. This is on XXXX this is the first portfolio recovery account with no account number it just says XXXX XXXX Account on XXXX is also by portfolio recovery a with the original creditor is XXXX  XXXX XXXX  XXXX with no account number it has the account number aS XXXX  this also says account type is open accounts which is an accurate and a lie because this account could not be open if it was bought from XXXX  XXXX by a debt collector. It says date open XX/XX/XXXX with a balance of {$650.00} individual account collection account. This is in accurate and this fraud. It has been open fraudulently via XXXX  XXXX XXXX  in XXXX by a fraudulent person at an address that I never lived. I have also mentioned this numerous times and recently sent XXXX a report that was notarized letting them know that I was in XXXX from XXXX to XXXX which violates my XXXX laws by even telling them that and that I want this removed immediately I have also reached out to portfolio recovery services numerous times I would also like to know the XXXX XXXX once they had received my information and took both of these portfolio recovery associates and accounts off of my XXXX XXXX credit report immediately and I think that XXXX and XXXX should immediately do the same before I further my investigation. 

I have provided all of the information needed I have reached out to portfolio recovery Association I have reached out to XXXX  XXXX and I have reached out to XXXX and XXXX regarding these fraudulent and in accurately reported accounts on my consumer credit reports and it has been going on for two years and they are not providing me with any help or any feedback and they know that these are fraudulent and I am so not OK with this and I need you to immediately do something not only will portfolio recovery services not do anything and they keep validating the stats but so will XXXX and XXXX not do anything this is not fair. 

I also Im stating that I do not what I repeat I do not want any security alerts or security freezes on any of my credit reports. It is now XXXX I have been fighting with that since I learned of it in XXXX when I came home from XXXX and started receiving letters at my address which I have been out for the past 10 years. I have been at The address that I am not allowed to say for the past 10 years and I have also told XXXX and XXXX that. And portfolio recovery services the original address by which the original XXXX XXXX XXXX issued these credit to was never my address or never known address for me and was around the time when I was in XXXX  for XXXX XXXX years. 

I learned of this fraudulent activity when I came home and started receiving mail at my current address that I had had all of my life. I am not going to keep repeating myself I want something done about this immediately I will be filing separate reports with separate companies and I am letting you know that I will not stop until this is revolved I have done everything youve said and not put any personal information in this letter as well as included every date amount an action that was taken by myself and my company. I also have let you know with the companies have done and what they have not done and that I have reached out to them on numerous times. Ive also watched diligently what I put in this letter so please please take every information seriously and submit this as soon as possible because I know I have followed every rule. I do not know how you can correlate these fraudulent accounts to me if I do not put my personal information in this letter but Im following the rules and immediately went to XXXX and XXXX and portfolio recovery services to know that this is being handled and we are not stopping thank you so much.

Company response to consumer: Closed with non-monetary relief