Consumer complaint received 2023-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
In my previous complaint I stated : In response to my previous dispute/complaint, PRA claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via certified mil and ca produce a XXXX. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have 3 XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were 2 bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law. 

I clearly stated that I have only had 3 accounts with XXXX XXXX that are all in good standing. XXXX took it upon themselves to remove these 3 active accounts that are in good standing and left the account that I verified was inaccurate which is being reported by PRA ( Portfolio Recovery Associates ). They removed positive accounts with XXXX XXXX XXXX, XXXX and XXXX. These three accounts were inaccurately deleted. These are accounts in good standing. I feel as though XXXX purposely deleted these accounts to mess with my credit score and make it seem as though I closed these accounts. The account that was to be deleted for inaccuracies was the Portfolio Recovery Associates XXXX. This is not my account nor has it ever been my account. I have said this numerous times. This company has been harassing me and every time I ask for a copy of the contract with my signature they can never produce it. My 3 accounts in good standing with XXXX XXXX, which are the only accounts along with my bank account that I have ever had with XXXX  XXXX. A lawsuit will follow if this is not corrected immediately. XXXX has made a major mistake. I have already shown this evidence to the attorney general so they should expect to hear from them regarding this matter as well. 

This was XXXX 's response to my request to remove the Portfolio account : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on XXXX

Company response to consumer: Closed with explanation