Consumer complaint received 2024-11-19 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: PR

Complaint narrative:
After making my monthly review of my Consumer Report and viewing my Credit Score. I find XXXX is once again violating my rights as a consumer by improperly reporting a number of items that should be excluded from my consumer report. Your company XXXX is reporting DELINQUENCIES, ADVERSE ACTION, ACCOUNT BALANCES, PAYMENT HISTORY, PAST DUE HISTORY and CLOSED ACCOUNTS on a few line items listed on my Consumer Report. The accounts or line items are listed below. 
I am making the following complaint and dispute against XXXX on the basis of violating my rights as a consumer by reporting on my consumer report a DELINQUENCY. A report on my consumer report containing information of a DELINQUENCY solely as a TRANSACTIONS or EXPERIENCES between me the consumer and the person making the report ( PORTFOLIO RECOVERY ). According to 15 US CODE 1681m ( b ) ( c ). A line item listed on my consumer file as an ADVERSE ACTIONS, DELINQUENCY, ACCOUNT BALANCE, PAYMENT HISTORY, PAST DUE HISTORY, CLOSED ACCOUNTS or OLDER DEROGATORY EVENTS under section or line item 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due and 120 day past due Your company XXXX is in direct violation of 15 US code 1681m ( b ) ( c ) Requirements on Users of Consumer Reports,15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for XXXX to report my transactions or experiences between me the consumer and several accounts ( The person or persons making the report ). However, the accounts listed below ( The Person making the report ) has reported to XXXX my TRANSACTIONS or EXPERIENCES as a CLOSED ACCOUNT including delinquencies coded as C for Collection Account, too include 24 month payment history, too include payment history, past due history and balance history. However, a consumer report has been reported to XXXX and by XXXX on my consumer report on my consumer report transactions or experiences. A consumer report by XXXX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from the listed accounts reporting my TRANSACTIONS or EXPERIENCES. Such TRANSACTIONS or EXPERIENCES of DELINQUENCY, ACCOUNT BALANCE, PAYMENT HISTORY, PAST DUE HISTORY, CLOSED ACCOUNTS or OLDER DEROGATORY EVENTS under sections or line items described as 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due or 120 day past due. Has been reported on my consumer report by XXXX. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding ADVERSE ACTION as it is described regarding EXCLUSION pertaining to TRANSACTIONS or EXPERIENCES. My complaint against XXXX does meet the standard set by 15 US CODE 1681m Requirements on USERS of Consumer Reports, 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that XXXX remove the Consumer file listed as 2 YEAR HISTORY, OLDER DEROGATORY EVENTS 30 day past due, 60 day past due, 90 day past due and 120 past due and LATE PAYMENTS with accounts listed from my Consumer Report. 
The accounts are as follows : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation