Consumer complaint received 2020-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Debt to income ratio is inaccurate.. I work and collect retirement and it's not accurately evaluating my credibility. I have tried to report the issue and XXXX, XXXX, or XXXX will let you dispute and issue more than once even if its been a year past and they still wont let a dispute process with the same issue. They make you say its something else in order for them to look at it. That doesn't make sense at all especially if its the same inaccuracy from before not fixed. I even allowed them to look in my account ti boost my credit yet there are inaccuracies on my credit report that they are sending out inaccurate information. 

Second is issue is own two homes without any negatives and they have my score at a XXXX and I owned my home for 7 years before I had to sell it in XXXX to a different state and 3 years later I have no credit of having it. Which it's making it very difficult to purchase another one. This is not fair to a recent retired veteran who still has income coming in but inaccurately elevated with a credit score from personal who never paid their bills and that is not the case at all.. I have XXXX collections of XXXX ( from identity theft that happened back in XXXX while I was hospitalized provided the information that supported it the company " Portfolio Recovery Associates '' keeps reporting this debt on my credit as if it just happen every year and every month and dating it as if it just happen so it can seem as if it's fresh issue and that should be illegal that's false advertising and false information this collection is XXXX XXXX XXXX but has a current date as if it just happen and has already been proven to be fraud. I still don't know who this company is, My negative on my whole report from 20 plus years of working no bankruptcies, foreclosures.. XXXX collections issues being worked that follows I have a XXXX debt that's being worked on due to unemployment reasons I mean I nearly died defending my country and couldn't work at time recovering and I've tried to make it right since then ... but identity fraud which this particular one was from is something no one can protect themselves from.. but still get penalized for it. The XXXX is being handle as we speak but shows on my credit report as a collections just happening when that happen XXXX when I was hospitalized and could not work. All three credit bureaus are reporting my income inaccurately giving me a low window of credit to debt ratio making any bank look at me as a high risk when I've own two homes, 2 cars and a bike nothing that breaks XXXX and I make {$100000.00} a year not including that I'm married and including her income with XXXX kids puts me over the XXXX figure range so doing that kind if math puts me in the debt range of % 20 debt range and 80 % positive and nothing shows it on any credit report. They currently have me as a XXXX in a housing score and XXXX on my fico score .. and saying im utlizing 60 % of my credit ratio when I only have XXXX credits card almost at their limit and i have a total of 6 credit cards that have more than 90 % if credit on them their score does not match up accurately. They mention they have a formula but this " formula '' is not accurately accessing veterans properly and needs to be look at a.s.a.p especially with retirees. We shouldn't be going through this after serving 20 plus years.

Company response to consumer: Closed with explanation