Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
All of this information was removed from my credit reports on XX/XX/XXXX and now they all reappeared in XX/XX/XXXX. I need this information removed permanently from all 3 credit reporting agencies effective immediately, due to impeding my livelihood. 



On Sun, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX wrote : To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX  ) credit report, and noticed this collection was posted on my credit report. The collection agency XXXX that is reporting inaccurate information from XXXX XXXX  {$2400.00} XX/XX/XXXX and {$3900.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB reported this information to XXXX XXXX XXXX XXXX  all of the above information was removed, now they have all appeared on the above dates. The charge off letters were sent to CFPB to confirm this information should not be reported by the above mentioned credit agencies. I have reported this information to them again to have these derogatory information removed from the credit report immediately. 

XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and business purposes in the future. 

You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate creditreporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair creditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumercredit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something As defined by the IRS ( XXXX ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In conclusion I have shown you the above law and I hereby am putting you on notice that you are reporting inaccurate information, the information is, in fact, inaccurate The continued reporting of this inaccurate information is a clear violation of the Law15 U.S. Code 1681s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to the negligence of inaccurate account information reported in my Consumer Report. 

I ask of you to have THIS ACCOUNT DELETED FROM MY CONSUMER REPORTS within 10 Calendar Days by mail or email! Thank You Mailing Address : XXXX XXXX XXXX XXXX, Md XXXX Email Address : XXXX XXXX M XXXX XXXX XXXX XXXX XXXX, Md XXXX

Company response to consumer: Closed with explanation