Consumer complaint received 2025-01-19 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: IN

Complaint narrative:
On XX/XX/XXXX, the debt collector portfolio recovery associates LLc issue a lawsuit against me using XXXX XXXX XXXX XXXX XXXX. There was a proof of service attached to the lawsuit stating that on XX/XX/XXXX there was paperwork left at my residence. There was never any such paperwork left. On XX/XX/XXXX, I received via first class mail the copies from XXXX XXXX XXXX I called the attorneys that day and told the representative that I got a mailing from them and " I just wanted this to go away '' I have not dealt with anything like this. without providing proof or anything he wanted any personal information I would provide. He also immediately wanted to know what I could pay today. I stated that without something in writing that I wasn ; t going to pay anything and I wanted proof that the litigation would cease. He offered a settlement of XXXX of the XXXX debt and said that will save you like XXXX dollars. He wanted to know how I wanted to pay. I again asked for something in wriiting that if I agreed to settle ( and for a debt that isn't tied to me ). I gave him an email and instead of something official to remove the deby from litigation or from my credit report it was a demand for XXXX valid for less than XXXX hours and had to be paid checking account or debit card. He flat out told be he'd take a credit card for the full XXXX two days prior. After that phone call and further looking at my past credit records and researching the tactics of PRA and XXXX XXXX XXXX I stopped feeling defeated and sorry for myself and decided that I would fight it. 
Included in the lawsuit was the following " proof '' of debt. 
. A XX/XX/XXXX document labeled bill of sale from XXXXXXXX XXXX  to PRA. 
The bill of sale does not mention any specific debtor names or account numbers or include any attachments with that information. The bill of sale did not include XXXX ... ..s name or account number. Additionally, transfer agreements identifying which specific accounts were sold were not attached to any bill of sale. The XXXX XXXX  billing statements showed that someone named XXXX ... .... D...... had an account balance of {$2900.00} and that the last payment on the account was on XX/XX/XXXX. The Bill of Sale was signed on XX/XX/XXXX, which is eleven days AFTER the debt was supposedly sold on XX/XX/XXXX as evidenced in the PRA provided document. 
A two-column spreadsheet for a creditor account number ending in XXXX with D ... ..s name ( only present on one of the many pages ), multiple account numbers are referenced, date of Birth ( blacked out and therefore doesnt serve as identifier ), other identifiers are not present, multiple creditors are listed within, headings identifying the source or purpose of the document, or means of tying the record to any of the bills of sale. 
A XX/XX/XXXX AFFIDAVIT OF DEBT of XXXX XXXX, designated employee for PRA, stating : PRA now owned D... .s account ending in XXXX and was owed the sum of {$2900.00}. The affidavit was generic and not specific. 
A monthly XXXXXXXX XXXX  billing statement with closing date of XX/XX/XXXX, listing customer name J ... XXXX ... .. and an account number ending in XXXX. 
In my answer I cited XXXX XXXX Portfolio Recovery AssocsXXXX, XXXX XXXX App. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) The paperwork that XXXX XXXX was sent is almost exactly the documents I was provided as proof. 
Upon further research in my credit report, I discovered I did once have a XXXX XXXX XXXX XXXX account, but it was from XXXX and is an entirely different amount. That account is listed as a charge off in my credit report closed account on both XXXX and XXXX. There is no evidence of a XXXX account. On both accounts Portfolio Recovery LLc has reported the XXXX as Derogatory mark. I disputed the debt with XXXX and it was resolved " XXXX '' and had the following remark from XXXX " Unfortunately we did not receive dispute results for this account. Please contact XXXX directly at XXXX for additional information. '' I submitted my Answer to the lawsuit and filed electronically. 
XXXX XXXX... I asked PRA for validation in a handwritten first class mailing when they first started calling me and it was like it was never sent. They did not respond or acknowledge. They also continued to call and leave voicemails after the mailing. I eventually blocked most of the numbers because the calls went to voicemail and were saved as blocked voicemails. I wish I had known what I know now and would have sent a certified email or via certified mail. Lesson learned for sure. 
I know there is a pending lawsuit and there isn't much I can do except wait. I will go to court if a date is given. I did file a counterclaim and ask that the case be dismissed. I know there may not be much you can do, but I have learned through research that this company preys on people like me and is dependent on default judgements. I am in the pre approval stages of homeownership and a default judgement would be devastating. Please advise. I await your expert analysis of my case.

Company response to consumer: Closed with explanation