Consumer complaint received 2024-05-21 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: MI

Complaint narrative:
There is a portfolio recovery associates account on my consumer report. This account is reporting in accurate information and I would like this account removed immediately. The inaccurate information is as follow : On XXXX this account reads : Acct XXXX The account number present on this account does does not have at least XXXX digits. Present the exes present on this account number makes this account in accurate if this account was proven to be mine the full account number should be shown on all credit consumer reports. This account is reporting a XXXX month term. As a collection, there is no term for payment. This account is in accurate. Address associated with this account I can not be reached that attempting to mail me at this address is a federal crime mail fraud. This account original creditor is reported as XXXX XXXX XXXX  XXXX XXXX. On experience this account has a status update of XX/XX/XXXX. This is extremely out of date and inaccurate. The XXXX  on this account that report to XXXX is as follow : Account Number XXXXXXXXXX - XXXX Original Lender-Portfolio Recovery A This is the first major in accuracy from each reports how can it say a different account number on XXXX that it does on XXXX also XXXX on XXXX this XXXX is reporting as the original creditor in which it is not portfolio recovery associates, and I have never done business, how could this collection agency be reporting as an original creditor? This is an accuracy and a violation. This account is reporting a status of open. if this account was lawfully, purchased from the original creditor the original account had to be closed and charged off. It is impossible for a collection account to be reported as open because it was an alleged purchased closed account. This in accuracy must be updated and removed. On XXXX XXXX this account number is reporting all exes no digits are present. This is very confusing for me to know if this is the correct information or not in accurate reporting is illegal. On XXXX, this account is reporting as open which is illegal because this account is a collection account which has never been open and should report as closed 15 USC 1681e : Compliance procedures Text contains those laws in effect on May 19, 2024 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. If this account is validated/verified then the steps in which the consumer reporting agency has taken to validate or verify, this information must be provided unto me, which is my right per 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 15 USC 1681IGB 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion

Company response to consumer: Closed with explanation