Consumer complaint received 2021-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After review of my credit report, I noticed that there were some inaccuracies that have not been corrected or deleted. I intend to seek damages for mental and physical pain and anguish due to these aggravating items being on my credit report falsely. I have requested that all of these accounts be properly validated in the past and they were not properly validated. These accounts have been disputed in the past and the credit report does not show the required notice of dispute by consumer and if it does, it was not inserted within the allotted amount of time. In any event, all of these accounts need to be deleted for multiple violations and inaccurate and unverifiable information. Please, my next letter will be a letter of intent to sue. 


Date : XX/XX/2021 To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX Portfolio Serv Account XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX Card Account XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX  Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA. 

Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court. 

The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!! 

I hope you will take advantage of this opportunity without the need for litigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation