Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy of information on my credit report concerning an account held by Portfolio Recovery Associates. After a thorough review, I have identified discrepancies and inaccurate information in the reporting, and I kindly request the verification and correction of all incorrect information or the removal of this account from my credit report.

The inaccurate information on my credit report is in violation of consumer protection laws outlined by the CFPB. Specifically, I believe the following regulations are being violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** - Section 611 ( a ) : The inaccurate reporting is a violation of my rights under the FCRA , which requires consumer reporting agencies to provide accurate and complete information.

2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - Section 807 ( 1 ) : The inaccurate reporting may constitute unfair or unconscionable means to collect a debt under the FDCPA.

3. **Consumer Financial Protection Act ( CFPA ) : ** - Section 1036 ( a ) ( 1 ) : The inaccurate reporting may constitute an unfair, deceptive, or abusive act or practice in violation of the CFPA.

I have identified the following inaccuracies and discrepancies in the reporting : 1. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the same debt to my credit Bureaus twice, under different account numbers. 

2. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported to my XXXX credit report and my XXXX credit report as loan type " debt buyer account '' while also having reported to my XXXX credit report separately, as a " factoring company account. '' 2. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported this account as " open '' for my XXXX and XXXX credit report, but as " Closed '' to my XXXX credit report. 

3. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " date of last activity '' to my credit bureaus with 3 separate reports dates of XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. 

4. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " date reported '' to my credit bureaus with 3 separate dates showing XXXX at XX/XX/XXXX, XXXX at XX/XX/XXXX and XXXX at XX/XX/XXXX. 

5.As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " date opened '' to my credit bureaus with 2 separate dates showing XXXX at XX/XX/XXXX and XXXX and XXXX at XX/XX/XXXX. 

6. As of XX/XX/XXXX, Portfolio Recovery Associates has inaccurately reported the " Original Creditor '' to my credit bureaus, showing 2 separate names of " XXXX XXXX XXXX '' on my XXXX credit report and " XXXX XXXX '' on my XXXX credit report. 

I have attached supporting documents that provide evidence of these inaccuracies. I kindly request that the CFPB investigate this matter and take appropriate action to ensure the accurate reporting of my credit information. 

Please inform me of the steps you will take to address this dispute and the expected timeline for resolution. I appreciate your prompt attention to this matter. 

Thank you for your assistance in resolving this issue. 

Thank you.

Company response to consumer: Closed with explanation