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Does PRA mis-reported my account?

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maxgold
Established Member

Does PRA mis-reported my account?

I have to say the credit repair journey is never easy...I learned a lot by reading this forum and thank you for sharing your stories.

 

One of my credit card was charged-off and sold to PRA on 04/2011.

 

The strange thing is that I found PRA was reporting "Actual Payment Amount" of $20 from 09/2011-06/2012 in my CR.

I'v never made any payments to PRA...does PRA reported the payment correctly in my CR?

 

If PRA did reported the payment incorrectly on my report, how likely PRA will delete the CA from my report if I file complaints to BBB and CFPB?

 

Thanks for your help!

 

Oringinal Creditor:

========================

Current Status: CHARGE-OFF
Account Owner: Individual Account.
Type of Account : Revolving
Date Reported: 06/11/2011
Date of Last Payment: 08/2010
Actual Payment Amount: $ 20
Date Major Delinquency First Reported: 04/2011
Activity Description: Transfer/Sold
Date of First Delinquency: 10/2010
Comments: Charged off account

PRA:

========================
Account Owner: Individual Account.
Type of Account : Open
Date Opened: 04/30/2011
Date Reported: 06/05/2014
Date of Last Activity: N/A
Date Major Delinquency First Reported: 09/2011
Date Closed: Type of Loan: Factoring Company Account (debt buyer)
Date of First Delinquency: 10/2010
Comments: Collection account

09/2011 - Actual Payment Amount: $20
10/2011 - Actual Payment Amount: $20
11/2011 - Actual Payment Amount: $20
12/2011 - Actual Payment Amount: $20
01/2012 - Actual Payment Amount: $20
02/2012 - Actual Payment Amount: $20
03/2012 - Actual Payment Amount: $20
04/2012 - Actual Payment Amount: $20
05/2012 - Actual Payment Amount: $20
06/2012 - Actual Payment Amount: $20

 

 

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baller4life
Super Contributor

Re: Does PRA mis-reported my account?

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