Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX - Sent letter to Portfolio Recovery disputing 2 accounts. Sent via certified return receipt mail. Portfolio Signed for service on XX/XX/XXXX XX/XX/XXXX - Received letter from Portfolio Recovery, No validation material per my request for proof bearing my signature. 
XX/XX/XXXX - Sent second letter again disputing the account and required proof, bearing my signature. Sent via certified return receipt mail. 
XX/XX/XXXX - Credit report shows 1 of the accounts disputed but not the other Balance shows {$2500.00} XX/XX/XXXX - Sent Third letter indicating that they had again failed to provide me with viable proof bearing my signature that this account was mine. Sent via certified return receipt mail. 
XX/XX/XXXX - Copy of my credit report shows that both accounts are now marked in dispute. 
XX/XX/XXXX - Portfolio signs for service of certified return receipt letter XX/XX/XXXX - Portfolio transfers my accounts to debts, marks them past due and then Flags my accounts as collection items to re-age them XX/XX/XXXX - Portfolio sends response letter however again they fail to provide any solid evidence ( no proof bearing my signature so that I could validate the account ). 
XX/XX/XXXX - Portfolio removes the account from my credit report which is then placed back on my report without providing me written notice within 5 days. 
XX/XX/XXXX - Portfolio transfers my accounts to debts, marks them past due and then Flags my accounts as collection items to re-age them XX/XX/XXXX - Portfolio - Portfolio removes the account from my credit report which is then placed back on my report without providing me written notice within 5 days. 
XX/XX/XXXX - Showing account portfolio has been playing volleyball with all over my report is again back on my credit report. Balance now shows {$2400.00} XX/XX/XXXX - Copy of my credit report. Notice that the balance is now {$2300.00} XX/XX/XXXX - Copy of my credit report. XXXX shows that Portfolio Recovery is showing a balance of {$2100.00}, but it is also showing this as past due balance with terms of 1 month. It indicates that the monthly payment is {$0.00} and that the account is seriously past due and flagging the account as negative, same indications for the other account that was in dispute, not there is no dispute statement. XXXX shows the balance as {$2400.00} with a Past due of {$2400.00}, that the account is in collections, {$0.00} monthly payment and no terms however it is showing payments. Other account in dispute also shows no statement of dispute. XXXX shows the balance as {$2100.00}, not past due, but no monthly payment, just that this is a collection account with 24 months of no payment history. 
XX/XX/XXXX - A print up from my bank account showing that every single month for almost the last 24 months ( as of XX/XX/XXXX ) Portfolio Recovery has been taking a payment of {$29.00} per an agreement that was to update my credit reports. As you see the credit reports I have supplied also support the fact that there are actually payments being received toward this account. 
Portfolio recovery has broken the following laws : They failed to notify me initially of the account being placed with them so I could validate the account. 
They have re-aged my credit report every single month They have reported inaccurate information and they KNEW it to be inaccurate information that they continued to report even after I submitted a dispute. 
They have failed to mark my credit report as in dispute within the 30 days allotted after my dispute. 
Due to all of these reporting errors and bad practices I formally request that these items be permanently removed from my credit report. Portfolio Recovery thinks they are above the law and can do anything they want and get away with anything they want. This is very shady & its illegal

Company response to consumer: Closed with explanation