Consumer complaint received 2023-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently wrote to Portfolio Recovery Associates, via certified mail, requesting the deletion of the following items : Account Number : XXXX ( Reporting on XXXX and XXXX ), and Account Number : XXXX ( Reporting on XXXX ) XXXX ( Same exact account information with two different account numbers ) I would like for you to have a copy of this document as well ( see attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. For starters, I have no idea why there are two completely different account numbers, but that is just one example of my credit report reflecting inaccurate and inconsistent information. Portfolio Recovery Associates continues to falsely verify these accounts whenever I dispute them with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Portfolio Recovery Associates, has stated to all parties. -the XXXX XXXX XXXX XXXX XXXX, The Consumer Finance Protection Bureau , -as well as myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Portfolio Recovery Associates has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes, which I believe that Portfolio Recovery Associates violated, -yet somehow, you still allowed Portfolio Recovery Associates to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Portfolio Recovery Associates above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether the account is verified or not ; it has become a compliance issue, which Portfolio Recovery Associates is seemingly willfully noncomplying. Furthermore, Portfolio Recovery Associates continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to Portfolio Recovery Associates, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXXwhich has been like this for a long time, yet, Portfolio Recovery Associates continues to falsely verify as accurate. This has to stop!

Company response to consumer: Closed with explanation