Consumer complaint received 2023-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. 
You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 
Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX You have 92 % left to pay on this student loan. 
Balance {$2200.00} Highest Balance $ 2455 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Term No Info Payment History Youve made 31 % of payments for this account on time. 
Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT PAYMENT XXXX. LATE PAYMENT XXXX LATE PAYMENT XXXX. LATE PAYMENT XXXX UNKNOWN PAYMENT Current. Late. Unknown Last payment XXXX. XXXX, XXXX  Current Payment Status Current Worst Payment Status. Current Account Details Account status Open Type Education Loan Responsibility Individual Account. 
Remarks Customer unable to locate consumer Fixed rate Times 30/60/90 days late XXXX Closed No Info Creditor Information US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Overview You have 92 % left to pay on this student loan. 
Balance {$8200.00} Highest Balance $ XXXX  Monthly paymentNo Info Opened XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Term No Info Payment History Youve made 31 % of payments for this account on time. 
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CURRENT PAYMENT XXXX LATE PAYMENT XXXX LATE PAYMENT XXXX LATE PAYMENT Current. Late. Unknown Account Details Account statusOpen Type Education Loan Responsibility Individual Account. 
Remarks Customer unable to locate consumer Fixed rate Times 30/60/90 days late XXXX Closed No Info Creditor Information US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX  XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation