Consumer complaint received 2023-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. 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. 

This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DUE TO MY SOCIAL SECURITY NUMBER IS WRONG, YOU ARE REPORTING OF MY LAST XXXX ( XXXX ) AND THE CORRECT LAST FOR OF MY SSN IS ( XXXX ) The following account was not made by me : XXXX. XXXX XXXX XXXX, OPEN XXXX, DATE REPORTED- XX/XX/XXXX, CREDIT LIMIT- {$670.00}, BAL {$530.00} ( CLOSED ) UNIVERIFIED XXXX. XXXX XXXX XXXX, OPEN- XX/XX/XXXX, DATE REPORTED XXXX/XXXX/XXXX, CREDIT LIMIT {$1300.00}, BAL {$540.00}, available- $ XXXX ( CLOSED ) - UNVERIFIED XXXX. XXXX ACCT XXXX, OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, CREDIT LIMIT {$0.00}, BAL {$910.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX ACCT : XXXX, OPEN XX/XX/XXXX, DATE REPORTED XXXX, CREDIT LIMIT {$1000.00}, BAL {$1300.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, XXXX {$900.00} ( COLLECTION ) AND ( CLOSED ) -UNVERIFIED XXXX. XXXX XXXX  : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$530.00}, BAL {$0.00} ( XXXX AGREED ) ( CLOSED ) UNVERIFIED XXXX. XXXX ACCT : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$68.00}, BALXXXX ( PAID AND CLOSED ) UNIVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX

Company response to consumer: Closed with explanation