Consumer complaint received 2019-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 5 years, I have been disputing my credit bureaus of XXXX, XXXX, and XXXX. The following items attached are on my credit report and is hindering me from obtaining more credit. 

1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 

2. Portfolio Recovery Associates ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 

3. Discharge CH-XXXX ( I have attached the document to the complaint ) I have asked for this to be removed from my credit report. It is hindering me for obtaining new credit lines. I am wasnt disputing the Discharge but asking that it be removed from the report so It doesnt prevent me from getting new credit. 

4. XXXX XXXX- ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 

5. XXXX XXXX- ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 




6. There is currently a lock on all 3 credit bureaus preventing me from obtaining new credit. I have asked the bureaus to remove that lock but they all have been unresponsive to this. 

7. I also have attached the list of hard inquiries that are on my credit report as well. I have asked all 3 credit bureaus to please remove all non-account holding inquiries over 30 days old. Under the FCRA they had 30 days to remove this information. The inquiries I have attached for you do not all have accounts attached to them. 


Thank you for assistance on correcting this matter for me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation