Consumer complaint received 2020-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon re-review of my Credit Report I noticed company name : Portfolio Recovery continues to report 3 collection accounts under my name. As previously stated in my last compliant, I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating, Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established, Agreement that bears the signature of the alleged debtor, Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX  and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. Portfolio Recovery has reported an erroneous address to all 3 of the credit reporting agencies. As of today, a new unknown address located in Alabama ; XXXX XXXX XXXX XXXX, Alabama XXXX is now reporting on my credit file causing credit applications to deny and causing my credit profile to contain an address out of the state I have lived in for over 21 years. Portfolio Recovery continues report and re-report inaccurate and erroneous information to my credit file causing damage to my credit file and credit application denials. I have never lived in the state of Alabama and now this new unknown address is associated with my credit file because this company continues to violate Fair Credit Reporting Act ( FCRA ). 
The federal Fair Credit Reporting Act ( FCRA ) promotes  the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This company also failed to validate this debt and as a result Portfolio Recovery has added a new unknown address to my credit file. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name. 
The company responded to my last request but have failed to take the necessary action by removing my inaccurate erroneous data from all 3 of my credit files but instead added new inaccurate data to my credit file. Portfolio Recovery obviously has mixed my personal data with someone elses data which in turn caused a new address to drop on my file out of the state of Georgia to which I have never resided. 
Remove these said accounts and this new reported address ; XXXX XXXX XXXX XXXX, Alabama XXXX from my credit files immediately. I will be forced to take legal action if this is not done. My credit file continues to maintain inaccurate data due to wrongful reporting by Portfolio Recovery.

Company response to consumer: Closed with explanation