• Report: #824793
Complaint Review:

Portfolio Recovery Associates

  • Submitted: Wed, January 18, 2012
  • Updated: Wed, January 18, 2012

  • Reported By: Midoribelle — Paris Texas United States of America
Portfolio Recovery Associates
120 Corporate BLVD STE 100 Norfolk, Virginia United States of America

Portfolio Recovery Associates Reporting false payments on credit report Norfolk, Virginia

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After looking over my credit report, I found some disturbing inaccuracies.  I had 2 HSBC credit cards that were charged off in 2007. Portfolio Recovery Assoc. were quick to buy up these debts and send ridiculous settlement offers and punctuate those offers with numerous daily phone calls that still continue. 

I noticed that P.R.A. has been reporting payments of $25 every month since July of 2010 to Experian and Equifax and I have never sent them a dime. Also the balance, instead of decreasing by $25 each month actually rises by $2.  There is no data reported for the date the payment was received, scheduled payment amount, date of last activity, or activity designator, only the "actual payment amount" and "recent payment" fields report the magical $25. I understand why they are fraudulently reporting payments to constantly extend the statute of limitations which I believe has already expired, but isn't this a direct violation of the FCRA?!

I'm assuming my next step is to file a dispute with the CSC but does anyone have any other ideas?

This report was posted on Ripoff Report on 01/18/2012 05:14 PM and is a permanent record located here: http://www.ripoffreport.com/reports/portfolio-recovery-associates/norfolk-virginia-23502/portfolio-recovery-associates-reporting-false-payments-on-credit-report-norfolk-virginia-824793. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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