Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Collection Agency : Portfolio Recover y Associates LLC. Account : XXXX XXXX/XXXX Date of Account : ( Unk nown ) Amount {$2700.00} I have communicated with Portfolio recovery in writing in approximately XX/XX/XXXX requesting a copy of the the payment schedule, the date they purchased this account, proof that they are legally bonded in the state of Texas to collect a debt, and also asked for a copy of the contract between myself and the original creditor with a wet signature ( XXXX XXXX & myself ) giving Portfolio Recovery the right to pursue a debt with me prior to validating my request. 

I further asked for VALIDATION of my ownership of the debt, but they responded to me with a XX/XX/XXXX billing statement with a due date of XX/XX/XXXX from XXXX XXXX instead as verification ... not validation. My request was ignored, and they sent me documents that may have been altered. I believe this because the bill they sent me contains errors, and the debt is listed on my credit report with XXXX, XXXX, and XXXX with varying open dates. 

The response/correspondence sent to me dated XX/XX/XXXX does not list actual date that they assumed ownership of the debt. This is a blatant violation of my rights and a clear error. They are also reporting alternating open dates on my credit reports. XXXX  shows trhe collection account was opened on XX/XX/XXXX and date last active of XX/XX/XXXX, and XXXX shows an open date of XX/XX/XXXX and last date active of XX/XX/XXXX. XXXX shows an open date of XX/XX/XXXX, and date last active of XX/XX/XXXX **Please note that Portfolio Recovery sent me a copy of a bill from the original creditor, XXXX XXXX/XXXX with a payment due date of XX/XX/XXXX ). How can Portfolio report ownership on the account effective XX/XX/XXXX when the account was still in possession of the ORIGINAL CREDITOR on XX/XX/XXXX? 

How is it also possible that my XXXX report shows an open date of XX/XX/XXXX, but a date last active of XX/XX/XXXX? The account was not in Portfolio Recovery 's possession on XX/XX/XXXX ... These overlapping date discrepancies are very concerning. The account was in  XXXX XXXX XXXX possession on XX/XX/XXXX, not PORTFOLIO RECOVERY. How can I believe that anything else reported is accurate? I have just pointed out a plethora of errors that Portfolio Recovery and the consumer reporting agencies refuse to address. This is a violation of my rights as a consumer, and I am hoping you will take my concerns seriously. 

You will also notice my alleged mailing addresses vary on each form of correspondence. How does XXXX XXXX, XXXX, and Portfolio Recovery all list different alleged mailing addresses for me during the same time frame in XX/XX/XXXX? If they are listing random addresses I am not associated with, I doubt any other data they are alleging is correct and this debt has not been validated as belonging to me. Something is wrong here, because these addresses listed on these documents don't even appear on my credit reports with XXXX, XXXX, or XXXX. 

Portfolio Recovery is knowingly reporting erroneous and conflicting information to the credit bureaus, and has not bothered to even investigate these discrepancies and prove their ownership, or their right to assume I owe this debt.

Company response to consumer: Closed with non-monetary relief