Consumer complaint received 2019-07-10
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:
Please be advised that this is my SEVENTH WRITTEN REQUEST asking you to remove the unverified/inaccurate account listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your re-investigation, you stated in writing that you verified that these items are being reported correctly.Where are the documents that you used to verify these accounts? Where is the signed contract between myself and Portfolio Recovery Associates, showing that I have signed & agree to a repayment of debt from this creditor? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate. You must be able to provide a valid contractual agreement between that your company has a valid contractual with me for to repay Portfolio Recovery Associates & myself. You must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Re-investigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified and all information that is inaccurate. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if  you fail to comply with this Federal Law. As a creditor you must provide all information to the Credit Bureau - including Credit Type- nothing listed on credit file. Credit Limit- nothing listed on credit file. Amount Past Due/Date of Last Payment/Monthly Payment & Payment Frequency- ALL NOT REPORTED ON CREDIT FILE! 

How is it that your are reporting on my credit file negative information that is incomplete with the account details. Furthermore you are stating the account is in Collection/Charge off status as of XX/XX/XXXX ( without a payment account listed on my credit fie ). The Account was only updated as of XXXX XXXX- because of a previous dispute ( that the account is not mine NOR IS THE INFORMATION REPORTED ACCURATELY!! 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

Name of Account : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX & XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter.

Company response to consumer: Closed with explanation