Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX Reported an ending balance of {$720.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported " late payment '' ( s ) to my XXXX consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX XXXX  and " paid as agreed ''. i want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

Collection XX/XX/XXXX Portfolio Recovery Associates reported an collection account of XXXXXXXX XXXX to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

inquiries i want the following inquires removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiries i want the following Promotional inquires removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Review Inquiries i want the following Account Review inquires removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSO 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 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Party Supplemental Information Checking Account and Demand Deposit Account ( DDA ) Activity i want the following Third Party Supplemental Information removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

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  Portfolio Recovery Associates reported an collection account with a balance of XXXX XXXX to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

on XX/XX/XXXX Portfolio Recovery Associates reported an collection account with a balance of {$670.00} to my XXXX  consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported " late payment '' ( s ) to my XXXX consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX XXXX and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported " Charged off '' to my XXXX consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX XXXX and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 


XXXX XXXX XXXX agency. 


on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX XXXX  and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

The following derogatory remarks were left on my XXXX consumer report by XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated tXXXX XXXX XXXX and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

Collection On XX/XX/XXXX Portfolio Recovery Associates reported an collection account of {$670.00} to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender Which is false misleading and illegal as I have ever done any business with portfolio recovery associates On XX/XX/XXXX Portfolio Recovery Associates reported an collection account of {$430.00} to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did Portfolio Recovery Associates properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by Portfolio Recovery Associates has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender Which is false misleading and illegal as I have ever done any business with portfolio recovery associates

Company response to consumer: Closed with explanation