Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''. 
1 ) Portfolio Recovery Associates has never properly verified the debts in dispute. 
2 ) I have checked with the Arizona State Attorney Generals Office and verified that the XXXX debts in question/dispute are ALL time barred accounts, past their statue of limitations. 
3 ) The XXXX debts in question/dispute are ALL at or past their CRTP, credit reporting time period, as allowed by FCRA. 
4 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the XXXX accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Past Due '' amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc.. 
5 ) I have disputed each of the XXXX accounts with the XXXX major credit bureau 's several times. XXXX has deleted all XXXX Portfolio Recovery accounts that were in violation and taken measurements to block them from re-reporting. XXXX no longer allows me to dispute the XXXX account 's with Portfolio Recovery and continues to allow Portfolio Recovery to report the errors/violations. XXXX responds to each dispute as " verified '' and " remains ''. XXXX continues to allow Portfolio Recovery to report the errors / violations. XXXX also allows Portfolio to remove the disputed accounts from my credit report during each dispute, only to re-report each account right after as a " New Collection ''. I know this from receiving alerts from my credit monitoring service. Each time Portfolio Recovery does this it drops my credit score several points. 

Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates , LLC . Original creditor is XXXX / XXXX. Alleged balance {$800.00} Acct. # 2 : Portfolio Recovery Associates , LLC . Original Creditor is XXXX / XXXX. Alleged balance is {$620.00} XXXX # 3 : Portfolio Recovery Associates , LLC XXXX Original creditor is XXXX / XXXX. Alleged balance is {$480.00} Acct. # 4 : Portfolio Recovery Associates , LLC XXXX Original creditor is XXXX. Alleged balance is {$790.00}

Company response to consumer: Closed with explanation