Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My issue is with XXXX recovery associate. They are knowingly and fraudulently altering account dates so that it works to their benefit so that they can obliterate innocent peoples credit score with so that they are forced to pay them money that isnt owed when they purchased this 2 decade old debt for XXXX on the dollar. I have them on a recorded call they can not provide me with the original account number, any information pertaining to my payment history beside the fictitious dates that are on my credit report. The representative specifically stated there is no original lender information or documents attached to my file and that there is no payment history attached to my file. I requested that they advised to me whom has this information, what department it is that he hast to put a request in to retrieve the real information and what the turnaround time would be He started stuttering he could not answer any of it. I am not unintelligent I know thats the only information they have and will ever have is the fake dishes information that was put into this file after the real information was scrubbed out. They do not have any information besides what was scrubbed out of an into the file that made it appealing to purchase the debt because they could still collect on it even though that was a lie or they know that it is fraudulent and way past limitations and are going to falsify the dates so that they can have a financial gain. Either way I am not OK with it and you should not be either. You can call XXXX  XXXX and verify this with them and they will tell you the truth. I have disputed this for the past year through the credit reporting agencies where they come back and say that their investigation is done and this is staying on my Credit report. I am XXXX   of being taken advantage of and having no way to stand up for myself and what is right here. As a consumer I know my rights I have mailed numerous letters to portfolio recovery associate requesting validation of this debt and any and all documents from the original lender with my signature etc. they can not provide any of it. Furthermore all of this aside on this recorded call with portfolio recovery associates they specifically state the date that they purchased this debt was XX/XX/XXXX. The date that a collection agency purchases the debt should never ever have anything to do with somebodys credit report it always goes by that date the account was opened with the original lender and the dateOf default. They are knowingly and purposely falsifying dates so that they can pocket the money. We as Americans struggle enough as it is I am working my XXXX off to improve my credit score and pay what is rightfully owed two companies that are honest and stare and have morals. Portfolio recovery associates is one of the most predatory immoral dishonest group that there is. Please request documents from the original lender with a chain of title of this debt with dates that they are claiming and I will be glad to pay it however that is not going to happen and you can verify this with XXXX  XXXX. This card was opened in XXXX and defaulted in XXXX - verify this with XXXX  XXXX. it is past the statue of limitation to put on my credit report I know that you have a way to verify this information with XXXX  XXXX or if you can retrieve my credit reports from XXXX and XXXX you will see that what I am saying is the truth. Credit reporting agencies are failing us they are not looking into any thing that is disputed in my eyes they are just as dishonest unreliable and fishes as the collection agency. I refuse to have a anxiety and panic attacks over this any longer I have tried everything in my power to rectify this without having to bother you however they do not want justice to be prevailed. Im sorry that things are misspelled in this I am XXXX XXXX on the highway driving so serious Im XXXX XXXX XXXX XXXX about the situation please help me and also please investigate portfolio recovery associates because they are literally the next XXXX XXXX and XXXX out of XXXX New York. Please send me an email address that I could reply and attach the file of my recorded call with portfolio recovery associates great literally out of their own mouths stating theyre reporting the date its opened as the date they purchased it - that they dont have access ANY original lender account information - and have no clue what my payment history is - and that they cant tell me what department does have this information what the turnaround time is etc. Id like you to hear how they are operating and how theyre ruining peoples lives. ****ATTACHED BELOW IS IMAGES RIGHT FROM PORTFOLIO RECOVERY ASSOCIATES LOGIN AND XXXX  . ON THEIR WEBSITE THEY SPECIFICALLY LIST IN THE TOP ITS PAST STATUE OF LIMITATIONS AND THEY CANT SUE OR REPORT IT TO MY CREDIT - so WHAT IS REALLY GOING ON HERE?!? And XXXX  DEFINITLEY did absolutely nothing when I disputed this with them. I want to know exactly WHAT process and actions were taken in their investigation that they decided theyre going to let this sit on my credit report - and I want their findings as well.

Company response to consumer: Closed with explanation