Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Description of Events Leading to Credit Profile Inaccuracies On XX/XX/XXXX, at approximately XXXXXXXX XXXX I conducted a comprehensive review of my credit report. During this examination, I identified multiple inaccuracies present within my credit profile. Specifically, I observed discrepancies related to five distinct XXXX : Account 1 XXXX XXXX XXXX XXXX XXXX - Date Opened : [ XXXXXXXX XXXX XXXX ], Amount : [ {$780.00} USD ] Account 2 : [ XXXX ] XXXX Date Opened : [ XXXXXXXX XXXX XXXX  ], Amount : [ {$1000.00} ] Account 3 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$3500.00} ] Account 4 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX XXXX  ], Amount : [ {$5500.00} ] Account 5 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$5500.00} ] Account 6 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX, Amount : [ {$5500.00} ] Account 7 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX XXXX XXXX, Amount : [ {$7500.00} ] Account 8 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$4300.00} ] Account 9 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXX ], Amount : [ {$5500.00} ] Account 9 : XXXX XXXXXXXX XXXX XXXX XXXX  - Date Opened : [ XX/XX/XXXX ], Amount : [ {$890.00} ] ] Account 9 : [ DEP OF ED / XXXX ] - Date Opened : [ XX/XX/XXXXXXXX XXXX  ], Amount : [ {$5500.00} ] Account 10 : [ XXXX ] - INQUIRY Date : [ XX/XX/XXXXXXXX XXXX  ], Account 11 : [ XXXX XXXX XXXX ] - INQUIRY Date : [ XXXX XXXX XXXX ], Upon this review, it became evident that the information associated with these accounts is inaccurate as per my financial records and the agreements entered into with respective creditors. The discrepancies include misreported account names, incorrect dates of account initiation, and inaccurately stated amounts owed. 
These discrepancies have raised significant concerns regarding the accuracy and integrity of the information within my credit profile, potentially impacting my financial standing and credibility. 
I am undertaking the necessary steps to rectify these inaccuracies by following the appropriate dispute resolution procedures outlined under the Fair Credit Reporting Act ( FCRA ) to ensure the correction of these erroneous entries in a timely and accurate manner. 
Enclosed within this correspondence are copies of supporting documents that validate the accurate information regarding these accounts in my possession. 
I am requesting a thorough investigation into these discrepancies and the immediate rectification of the inaccurate information contained within my credit profile. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX. 

This description outlines the specific date, time, and nature of the review of your credit report and details the identified inaccuracies concerning the accounts in question. Always ensure to tailor such descriptions with accurate information before submitting them as part of your dispute process.