Consumer complaint received 2016-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
When I pulled my credit report on XXXX XXXX, XXXX there was a collection account reporting to XXXX ONLY in the amount of {$6600.00} with a date opened of XXXX XXXX. The account was missing lots of information such as the last activity date, the high balance, how many months it was reviewed etc. It also showed an original creditor of XXXX. I am unaware of ever having an account with this company much less aware of having one that was for this large of an amount and unpaid. Nowhere on my credit report was there an account listed for XXXX stating that I had n't paid it nor can they find one in their system when I called. On XXXX XXXX XXXX I sent Portfolio Recovery requesting itemized statements as well as a contract bearing my signature for this supposed debt and I sent the mail certified. They have still yet to respond to my request and they have still yet to ever send me notification of this debt giving me the right to dispute the account or even disclosing who the original creditor was and their contact information. However, the information NOW not only continues to report to XXXX but suddenly reported to XXXX only 5 days after Portfolio received my letter of dispute. Again, they 've yet to respond to with anything via mail at this point and it 's now XXXX XXXX, XXXX. The account clearly states that it 's been disputed and that I have disputed after resolution, however, there has been zero resolution because they are braking the law in more than one way. On top of suddenly reporting the account to XXXX, they also reported the account to XXXX but rather than reporting as they are Portfolio Recovery, they are reporting as the original creditor XXXX XXXX. On my XXXX credit file an account suddenly showed up at the same time Portfolio Recovery reported to XXXX with the same acccount number, the same date opened, etc. however the name of the account is not Portfolio Recovery it 's XXXX XXXX. The account also states that the account was disputed but in fact that is not the case but when I sent the letter to Portfolio Recovery, XXXX XXXX did n't exist on my credit report so I had no account to dispute at that time. I do n't understand how collection agencies are able to get away with these type of illegal activities. To sum it up, here are all of my issues with this account and their reporting : * Account only existed with XXXX in XXXX but as soon as they received my letter of dispute they popped on XXXX and XXXX. 
* They 've still yet to respond to my letter of dispute with any information requested nor the name and contact of the original creditor. 
* They are reporting as an original creditor on my XXXX credit file with all the same information as they are reporting on the other XXXX bureaus except the name of the account has changed to XXXX XXXX. It 's impossible to have an account with an original creditor with all the same information including the date opened etc as the collection agency that is reporting the debt. 
* The account they have reported with XXXX as disputed, was never disputed with XXXX XXXX it was only disputed with Portfolio Recovery and this is only more evidence that they are reporting the account under the original creditor then as themselves. They are impersonating themselves as XXXX XXXX XXXX with my XXXX credit file. 
* XXXX XXXX did n't exist on my credit report with XXXX or any of the other XXXX bureaus until after Portfolio Recovery received my dispute letter.

Company response to consumer: Closed with explanation