Consumer complaint received 2021-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
This is an additional complaint and a follow up to a prior complaint XXXX. 
On XXXX I submitted the following complaint : On XXXX XXXX I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. Portfolio Recovery Associates XXXX in the amount of {$340.00}, Added a derogatory mark on my Credit report per XX/XX/XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately. 

I received a response from Portfolio recovery associates where they advised that they confirmed that they notified me of their purchase of the account. They provided no evidence that I was ever notified in a proper fashion. What address did you send the alleged " notice '' to? They advised that they obtained " business records '' from XXXX XXXX at the time they purchased the account. They have not provided the business records they claim to have received from XXXX XXXX to support their claim and I highly doubt that they properly verified the information at the time. I can guarantee they do not have a signed contract from me. PRA advised that no contract between PRA and myself is required to validate the account. PRA can not provide a signed contract by me from XXXX XXXX or between myself and PRA.

PRA mentioned attached letters and proof multiple times in their response but again NO EVIDENCE WAS PROVIDED. 

PRA response Noted that the account was opened on XX/XX/XXXX and placed in a charged off status on XX/XX/XXXX. Records from the XXXX credit bureaus indicate that the payment status has NEVER BEEN ACCURATELY REPORTED for the entirety of the time PRA has reported the account to the 3 bureaus. 

Being that they payment history is not being reported the account is automatically subject to be removed. This is a violation of the FCRA 's data accuracy requirements. The account was never properly validated, nor AUTHORIZED to be reported. 

PRA mentions multiple times that they sent letters and containing validating information, NO INFORMATION WAS SENT. 
PRA is saying that they accurately reported the information but never provided proof that I was actually notified and without providing any proof or validation began reporting negative information on my credit report, reporting unverified and inaccurate information is a violation of the FCRA. 

The CFPB closed the file without verifying that any documentation was attached the file. 
I have a few questions, Why does it say that I was late or never paid the collection when I was never provided with a proper notice? Failure to notify me and then posting durogatory information is a violation of the FCRA which could expose PRA to thousands in fees.

How do I know that that PRA did not charge me a surcharge or add any money on to this allege debt when they have not provided any information at all? 

How do I know that when PRA started to submit this DATA to the 3 Bureaus that they followed all compliance and accuracy protocols to continued ongoing maintenance of the account?

If PRA has been inaccurate with its reporting this entire time what kinds of sums of fines are we entitled to in accordance with what appears to be numerous violations of the FCRA reporting, data accuracy, and proper notice requirements. 
Based on the damage that has already been done to me and the ongoing health emergency of XXXX a delayed response is not acceptable. 


I attached the documents SHOWING THAT THEY ARE NOT REPORTING ACCURATE DATA AND HAVE NOT BEEN FOR THE LAST 24 MONTHS AT LEAST.

Company response to consumer: Closed with explanation