Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

this complaint is on debt buyer Portfolio Recovery. I have been challenging this account since XXXX with the consumer reporting agencies XXXX XXXX and XXXX. I have also sent Porfolio Recovery a letter XX/XX/XXXX asking for proper validation on this account as I have the right to according to the Fair Debt Practice Act. the only correspondence they send me is a paper stating they deny any inaccuracies reporting to the consumer reporting agencies which clearly is false that is why I am writing this complaint. I have sent the consumer reporting agencies notices on two different occasions. the first letter i sent to the 3 agencies was on XX/XX/XXXX XXXX the second letter I sent to all 3 agencies was XX/XX/XXXX XXXX it is now XX/XX/XXXX and I decided to get a new report from my credit and noticed Portfolio Recovery has reported to XXXX and XXXX on the same day and XXXX on a different day. to my understanding if a data furnisher chooses to report, then the data furnisher must report consistent and accurate information to be in XXXX compliance that is also under the Fair Credit Reporting Act Regulations. and if this data furnisher chooses to modify a account then carbon copies are to submitted to all consumer reporting agencies on a nationwide bases that maintains a file under my name. 

Portfolio Recovery reported to XXXX and XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. now this is the same account but XXXX is reporting letters and numbers in the account number field that is inconsistent with XXXX and XXXX. 
The Date of Last Active field reports XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
XXXX is also reporting a Past Due of {$440.00}. Payment Status reports Late 120 days and XXXX is also reporting a Payment History as well as the Last Payment. 

XXXX  has supplied me with results XX/XX/XXXX Updating this account with a on record until XXXX XXXX XXXX  reports the date of XXXX deliquency date XX/XX/XXXX on XX/XX/XXXX making the running of reporting period to be XXXX XXXX as far a XXXX I only have my old report that reads for this account estimated month and year this item will be removed to be XX/XX/XXXX. again PROOF this debt buyer doesn't have the correct date of 1st deliquency date. XXXX is also reporting a payment history on my actual credit report. 

to my understanding a debt buyer is not a original creditor let alone a tradeline but a entity whom buy debts from creditors for pennies on a dollar. I have asked for verifiable proof from this debt buyer and I have yet to receive any valid proof that I in fact agreed to pay this debt buyer anything and yet this debt buyer has refused to cease reporting until valid proof has been provided. I cant be past due on a account from a debt buyer that I never had a financial agreement contract with therefore a past due amount, a active payment history and a late 120 days is inaccurate information. 

by porfolio recovery sending me a letter saying they deny any inaccuracies is plain out garbage. this is proof in black and white and I can guarantee that porfolio is also reporting different running of reporting period also, seeing that the date of last activity reporting on all 3 agencies are inconsistent. 

to my understanding when the date of last activity has been updated to recent activity that actually manipulates the statues of limitations on this account which can cause this account to be ILLEGALLy re-aged and left on my reports for longer than expected. all 3 bureaus have updated this date to XXXX of XXXX that's not fair. there has not been any verbal or physical financial agreement in regards to me and this debt buyer, in fact the only communication has been via mail and a payment arrangement has NOT been discussed. this debt buyer is in clear violation under the Fair Debt Practice Act and by the consumer reporting agencies continuing to report a invalid, unvalidated, unverifibale, inconsistent and inaccurate account, I also hold them accountable for allowing such illegal practices to be accepted just because they get financially compensated by reporting inaccurate information. this is why consumers are getting educated on there consumer rights like myself because were tired of these debt collectors and even the consumer reporting agencies taking advantage of us. when will the consumer reporting agencies comply under United States codes, state regulations and laws that they are suppose to comply with?