Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Revenue Assocs is intentionally re-aging, manipulating, changing/adding known fraudulent information** to my credit report in violation of FCRA law ( XXXX ). 
My XXXX account was opened XXXX, XXXX. Four years later, I became ill and eventually fell behind with my payments. XXXX XXXX XXXX, after which the account was closed XXXX XXXX, XXXX and charged off XXXX XXXX, XXXX ( XXXX ). 
My account was later sold to Portfolio Recovery Assocs by XXXX. 
XXXX, a division of " XXXX '' was not the original owner of my settled account with XXXX XXXX. 
SEC filings state that XXXX XXXX was created on XXXX XXXX, XXXX. 
This same account was settled ( by payment as the majority of my other legitimate accounts were XXXX ), disputed, investigated and removed from credit reporting bureaus listings. I believe in settlement was made in part because of my calls/complaints about interest hike to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the State Attorney General, and because of persons in the same situation as myself resulting in the CFPB Order for XXXX XXXX to refund XXXX for Deceptive Health-Care Enrollment dated XX/XX/XXXX. ( XXXX ) Portfolio Revenue Assocs reopened my old account which had been *removed by the Credit Reporting Agencies [ XXXX ], modified my old credit card account details [ XXXX ], created new date and amount information, and then on XXXX XXXX, XXXX added another new account dated XXXX XXXX, XXXX with fraudulent information from no source revealed or known to me [ XXXX ]. 
Because of these actions ; It is my strong belief that Portfolio Recovery Assocs knew the debt to be improper. 
They are attempting to threaten me into paying again by coercion knowing that the debt was settled*. Portfolio Revenue Assocs is intentionally and with purpose causing irreparable damage to my credit reporting accounts [ XXXX ] XXXX XXXX thru XXXX XXXX, XXXX XXXX highest score XXXX now XXXX. Down XXXX. XXXX highest score XXXX now XXXX. Down XXXX points. 
[ XXXX ]. 
Portfolio Revenue Assocs sent me copies twice of my old XXXX XXXX account statements as their validity of debt. ( Back of same forms list account ownership with XXXX XXXX or XXXX XXXX XXXX Bank [ XXXX ] ). 
I have notified Portfolio Revenue Assocs by emailed dispute and by certified, return receipt mail that this account is settled. Also, that the debt is inaccurate, uncollectable, and improper [ XXXX ]. 
My credit report account was then attacked and bombarded with fabricated negative information reported at times every other day by Portfolio Revenue Assocs. The last correspondence regarding my dispute advised me " No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' ( XXXX ) I am a resident of XXXX visiting my new grandchild in XXXX. I am a XXXX individual with XXXX specifically aggravated and related to the effects of XXXX of which I am enduring the direct effect of under Portfolio Revenue Associates ' illegal attack and misuse of authority in relation to their having access to my individual citizen 's credit reports. 
Their procedure and actions in this matter are illegal and causing me distress. 
I understand that a collection agency may place a bad debt on my credit report. It should only report accurate information and not fabricated information. Using known fraudulent account reporting to make collection look legitimate regardless of damage done and using as coercion is despicable. Violations-statute 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( I ) ( ii ).

Company response to consumer: Closed with explanation