Consumer complaint received 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX, and I am the author of this complaint, a dispute with PRA and with its compliance on factual credit reporting, their tradelines and results existing on Consumer reports, today.

This has nothing, today and right now to do with VOD - this is all about PRA 's responsibilities for and of credit data- and as a Data Furnisher. 

You - dismissed your consumer reporting data issues- in the prior complaint, below please find the FTC rules you are mandated to follow. 

There is a class of consumers impacted by PRA 's electronic data - file, integrations, XXXX files - that is outside of compliance. 

No other parties, individuals- are involved in this dispute, as of today XX/XX/2022. 

The Do Not Contact request remains, to you - and, extends to any agency - company, entity you wish to engage with. 

Share who you have shared my data with - and as part of this dispute, and as mandated by privacy and credit reporting/debt collection laws. 

There are multiple complaints and with PRA - where the last response to their reporting and data inaccuracies, acknowledged was as follows : The complaint ID ( s ) is/are traceable : XXXX XXXX XXXX Here are some excerpts from your responses. 

The company responded that they are not the appropriate company to address your issue. 
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 


We take compliance with all applicable state and federal laws very seriously. We have no record of a response, or a dispute being received in relation to our initial notification letters. PRA furnished information from the accounts to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. In doing so, PRA confirmed with the consumer reporting agencies that PRA properly described itself as a Debt Buyer. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time.

Please note the method of delivery, and for this final formalized complaint- as listed above.

This dispute/complaint is as follows - and specific to the accuracy of data created by, PRA, and then PRAs responsibility to ensure its own records are creating expected results. 

The responsibility of a Data Furnisher- is broad, but thankfully spelled out by the FTC and its governance on your PRAs responsibilities.

Please see the link below- for Data Furnisher responsibilities. 

https : XXXX You, PRA, are aware, of your tradelines results and at each CRA This would have been generated by SYS, SIT, UAT, Regression and UAT - Integration testing when deployed, updated or replaced PRA is then aware of the actual data its data is creating PRA has been notified as to their actual results PRA - has no method in place, to ensure actuals hey send - are ever expected results PRAs technology practice, then has no means to resolve issues it knows its data creates Typical SDLC - would never let a file escape testing, with unknown, or unexpected results You have been supplied examples You- are creating a Creditor Tradeline You are sending Terms You- are sending Payment History You- are sending Payment Ratings This is in fact - systematic XXXX- which governs your reporting/technical builds, forbid you from sending a Term, Pay History, Rating - but alas, you are Now, this isn't all of it and your tech team may need to explain why But know- I actually get the data, as will any tech forensic data person And - when challenged - everything - is discoverable This is my final dispute - and before a action - or class, unless you delete your tradeline And - whatever else you have attached to me, and in writing The penalties - shall outweigh, whatever you believe is recoverable PRAs response is - its the CRA - instead of fixing its own discoverable internal systems. 

Please own your data, fix the inaccuracies or delete it. 

In XXXX- your account is impacting Creditor accounts, and you are a Debt Collector. Usage, Ratio etc - your accounts are erroneously impactful. 

It never should. ( 1 example - there are many ) Then - even when you ( PRA ) show up, as an Other Account it says - CLOSED, in big black bold font.

But - its not, or is it - make it make sense?

The way you are presenting/presenting data escapes some of the algo, but can never escape all. 

You have what it does- and to XXXX. 

You know, that you show up monthly 120 plus days late in XXXX, XXXX - XXXX. 

You as a Data Furnisher have the responsibility to not just care, but also fix it. 


Please fix your data, or delete it. 


XXXX XXXX

Company response to consumer: Closed with explanation