Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$130.00} Balance updated XX/XX/XXXX Recent payment $ 39 Monthly payment {$0.00} Original balance {$760.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX to XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Historical info Original creditor XXXX XXXX Balance history XX/XX/XXXX {$130.00} Balance {$0.00} Schedule payment {$39.00} Paid on XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$760.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Your statement PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX. 

ATTACHMENTS Report Number XXXX ( XXXX KB ) Report NumberXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment related thereto. PRA purchased the XXXX XXXX  XXXX " XXXX '' XXXX XXXX account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$760.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We placed the PRA account ending in XXXX with the law firm of XXXX XXXX XXXX, XXXX. ( the Firm ) on or about XX/XX/XXXX. XXXX XXXX XXXX, XXXX. filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Civil Court, XXXX XXXX County, Iowa bearing case number XXXX. The judgment amount was {$870.00}, and payment received post judgment was {$740.00} leaving the balance of {$130.00}. PRA furnished information from the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. Should you have any further questions about the account balance, please contact XXXX XXXX XXXX at XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The judgement was paid in XXXX according to the settlement amount in court and XXXX and XXXX also agreed with the amount which portfolio recovery did not use all court documents about the lesser amount their total amount is wrong because XXXX XXXX  also agreed in court at the lesser amount they really need to research this issue and correct it on my credit file asap because they refuse to fix this issue I made the final payment to XXXX and gains PC as agreed upon in court of XXXX county, I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No What happens now? 
The complaint process is complete and your complaint is now closed. 

We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database.

Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company.

We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.

We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns.

Closed The CFPB has closed your complaint.