Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I looked at my report on XX/XX/2024 and Noticed some things are incomplete and not accurate. 

According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates.

In accordance with the Fair Credit Reporting Act 15 USC 1681 and Fair Debt Collection Practices Act 15 USC 1692, 15 USC 1681 Section 602A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681eb, 15 USC 1692 Section 805 A 1. Violated My Rights. Credit Reporting Agencies `` XXXX, XXXX, XXXX '' have violated my rights. 

XXXX Case Number : XXXX Bankruptcy are not reported by Bankruptcy Courts and must be Deleted from my Credit Report as the CRA did not receive written permission to place on my credit file. 

XXXX. Violated my Rights & Payment History " PORTFOLIO RECOV ASSOC '' Account Number : XXXX Please investigate and delete from my credit report. 

. Violated My Rights to Privacy & Payment History : " XXXX XXXX XXXX '' Account Number : XXXX Please investigate and delete from my credit report. 

XXXX Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX XXXX Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX  '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXXXXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off XXXX R Never Received XXXX. Violated My Rights to Privacy " XXXX, XXXX, XXXX '' Previous Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Not My Address XXXX. Violated My Rights to Privacy " XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. The inquiry was not authorized RFC OF IL # XXXX Date of inquiry : XX/XX/2024 Please correct/update this inaccurate information on my credit report. 

XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History XXXX XXXX XXXX XXXX XXXX Account Number : Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received 13. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX '' Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX - OF '' Account Number : XXXX Delete Old Account 15 USC 1681 eb - Charge Off 1099 R Never Received XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX XXXX '' Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violated My Rights to Privacy & Payment History " XXXX XXXX - OF '' Account Number : XXXX Please remove this inaccurate information from my credit report. 


15 USC 1681 Section 602A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States all the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with non-monetary relief