Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5190812
Complaint Overview
Complaint ID: 5190812
Company: Portfolio Recovery Associates, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Washington
ZIP Code: XXXXX
Date Received: 2022-02-06T12:00:00-05:00
Date Sent to Company: 2022-02-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with XXXX XXXX in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly absurd and stupid. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with XXXX XXXX after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
Frequently Asked Questions
What is Complaint #5190812 about?
Complaint #5190812 was filed against Portfolio Recovery Associates, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-06T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Portfolio Recovery Associates, LLC?
Yes, visit the Portfolio Recovery Associates, LLC company profile at readthecomplaint.com/company/portfolio-recovery-associates-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.