Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This is one of many ongoing issues with XXXX XXXX XXXX XXXX. Over the past year or so, many disputes have been disputed with XXXX as to items appearing on my XXXX credit report that are either not accurate, misleading, false reporting information or placed on my XXXX credit repor by XXXX without a thorough and proper investigation. XXXX in particular was this creditor, XXXX XXXX XXXX XXXX # XXXX. This account was closed some time ago, due directly to economic hardship and being seriously injured in the line of duty, law enforcement, federal. I was placed in a customer assistance program, completed paying back a certain amount then balance was forgiven in a 1099 c form was offered and accepted. After completing the customer assistance program, the account, along with many other accounts were supposedly purchased by a debit collection agency. Ive been contacted on several occasions by XXXX collections then this company, Portfolio Recovery Associates for this alleged balance of this assistance program account that was completed. I eventually sent paperwork, asking for documentation as to debt verification documents along with a cease and desist letter to stop any further communication with me as to this alleged debt outside of the requested documents. These letters were sent certified mail with delivery confirmation signature required for proof of delivery. The letters were sent on XX/XX/year> and signature required, proof of delivery received by Portfolio Recovery Associates on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX. As per my letter, dated XX/XX/year>, requesting certain legal documents that I requested, Ive also indicated that if there company continues to report invalidated information to any of the three credit reporting agencies, this action my constituent fraud under both federal and state laws This, if reported, I would bring legal action against you or your client for the following : Violation Of The Fair Debt Collection Practices Act and Defamaction of Character. Ive made it XXXX clear in my letter, this was a request for Validation made pursuant to 15 USC 1692g. Sec.809 ( b ) of the FDCPA. At this time, this company, entity named Portfolio Recovery Associates has now ignored the laws of the Federal government, especially the Federal Fair Debt Collection Act and my rights as a consumer to totally ignore my certified letters, especially my cease and desist demand but now has placed this alleged debt from XXXX XXXX XXXX account # XXXX that had already been investigated by the credit bureaus on XX/XX/year>, case # XXXX this was investigated and removed my my credit account once but now, Portfolio Recovery Associates XXXX without supplying the demanded documentation of debt verification, ( see pc of letters sent ) along with delivery verification has falsely, along with XXXX XXXX reporting agency has placed this account on my XXXX credit report as being in collections. This, again, after being warned in my letter dated XX/XX/year>, receiving these letters, choose to ignore my demands and ignore the law of the Federal Government under the Federal Fair Debt Collection Act, without cause, without the appropriate evidence demanded and used XXXX XXXX reporting agency to further damage my credit, lowering my credit rating, my XXXX score which impacted my interest rate I now pay higher interest payments for credit cards, insurance premiums and being denied credit card increases due to placing this fraud/ fraudulent information of this alleged account now appearing on my credit report under Collections. XXXX is complicit and is now part of this fraudulent reporting by the company, Portfolio Recovery Associates, who has been notified and served legal notice for documents and demands for cease and desist is now just an ongoing harassment and intimidation tactic to continue to violate my rights and use XXXX credit reporting agency to assist. Although there are XXXX prior complaints against Portfolios Recovery Associates with your agency, please use this complaint as the primary complaint, please do not dismiss this as a duplicate complaint

Company response to consumer: Closed with explanation