Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX, PORTFOLIO RECOVERY, AND XXXX, XXXX AND XXXX XXXX ALL IN VIOLATION OF THE CONSUMER LAWS. 

XXXX  XXXX violations : -Reporting false information to my credit report stating that I owe {$860.00}, and its been late and unpaid. 

-selling my information to Portfolio recovery without my permission or l knowledge. 

-stating to portfolio recovery that I ACTUALLY owe {$560.00} but never reporting that to XXXX XXXX XXXX XXXX XXXX. 

-After a creditor sells an account they write it off on their taxes. I was never provided this tax information. 

-After a debt is sold it no longer belongs to the original holder so you shouldnt still making collection attempts or falsely reporting to my credit. 

-Failed to prove that this account belongs to me when I requested verification and an investigation so it should not have been sold! Ive been in ongoing disputes since XXXX and XXXX XXXX sold my account in XXXX. The letter says XX/XX/XXXX but I saw them on my credit report sooner than that. 

Portfolio Recovery : -Isnt licensed to collect a debt in my state or residency, XXXX or XXXX. Therefore they shouldnt be attempting to collect debts from me. 


-this account isnt mine nor is it verified and its very much under investigation so portfolio recovery shouldnt have purchased it or actively be collecting on it! 

-I have made several contact attempts to get portfolio recovery to cease and desist reporting and they continually report!

-They supposedly conducted a dispute on my behalf but they still didnt come back with supporting documentation of validity! 

XXXX : They continue to allow false reporting despite my numerous attempts to have this removed! 
XXXX has YET to mail me a copy of my credit report though I requested it! 
I also requested documentation and verification of the method they used to Investigage and they refused.

Im constantly complaining about these credit bureaus they need to pay me for violating the law. 
{$1000.00} for each offense or CFPB pay for allowing this and not holding them responsible Laws violated : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Remove an Unverified Account FCRA 1681i ( a ) ( 1 ) ( A ) Duplicate Negative Reporting from Capital One & Portfolio Recovery FCRA 1681s-2 ( b ) FDCPA ( 15 USC 1692 ). I was not notified within 5 days of portfolio recovery receiving the capital one account in my name. They were reporting to my credit before they ever informed me Portfolio Recovery Is Reporting the Debt Without Validating It FDCPA 1692e ( 8 ) Then theyre mailing me lies that the account is verified and providing no documentation! My address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX! 


I stacked proof that portfolio recovery isnt licensed in my state. 

Ive attached my drivers license so you can see my address!!! 

Ive attached a pic of the portfolio recovery letter stating {$560.00} and not {$860.00} and Ive attached a photo of capital ones reporting amount and how both folio and capital one are reporting to my credit before and PROOF that portfolio recovery was reporting to my credit BEFORE they ever notified me that they had my account

Company response to consumer: Closed with non-monetary relief