Here we go again...

[fixmycred14]

Do I need to file another complaint with the CFPB against PRA?  They are listing the TL as an installment, actively reporting lates as recent as Nov and added dispute comments to my CR 24 after responding to the BBB on11/7.

Portfolio Recvry&Affil

Status as of Date opened [?] Date of last activity [?] Account number [?] Loan type [?] Terms [?] Account Type [?] Account holder [?] Industry

Nov, 2013

Jun, 2013

Not Available

Unknown - Credit Extension, Review, Or Collection

1 Month

Installment

Individual

Other Collection Agencies

No contact information provided by Experian

Balance [?] Current Status [?]

$0	Account legally paid in full for less than the full balance

Seven year payment history 30 days late 60 days late 90+ days late

0 times

0 times

2 times (Nov 2013, Oct 2013)

Recent payment history 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 2011 2012 2013

Legend:

Not Open

PORTFOLIO RECOVERY ASSOC (XXXXXXXXXXXXXXX

Account opened: 6/2013 Description: Consumer disputes this account information Settlement accepted on this account Paid collection Previously reported Newly reported Balance: $0   Past due: $0 $0 Status: At least 120 days or more than four payments past due At least 120 days or more than four payments past due Last activity: 9/1/2011 9/1/2011 Description: Settlement accepted on this account Paid collection Consumer disputes this account information Settlement accepted on this account Paid collection Contact: PORTFOLIO RECOVERY ASSOC, Riverside Commerce Center, 120 Corporate Blvd Ste 100, Norfolk, VA, 235024962

[tomfromrictmame]

What was in the BBB response?  Is that closed?

I assume this is a valid debt, but the reporting is incorrect?

[tomfromrictmame]

I see the previous thread with all of the details.

[guiness56]

They shouldn't even be updating a closed collection in the first place.  The account was settled and they cannot add lates.  They can't anyway but certainly not after it is closed.

[fixmycred14]

So, should I file another complaint?

[guiness56]

Yes, with the CFPB.

[fixmycred14]

Guiness56 -- Thanks again! I am moving forward with yet another complaint. I hope they just fold and get off my report!

[guiness56]

Sometimes I wonder what these CAs are thinking when they do things like this.

[fixmycred14]

I think in my case it's retaliation. They also have no idea that so many people subscribe to score watch. We are watching their every move...

It's also possible that they are not talking to each other. Esp, PRA which is such a large company. One person is doing one thing...and someone in another dept is doing something else.

Whatever they are doing is done with ill will and arrogance. They think they can get away with this crap.

[madmann26]

I pm'd you fix.