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Frequent Contributor
new_earth
Posts: 417
Registered: ‎03-23-2013
0

Re: Porftolio Recovery strange reporting...


los_west wrote:
Something similar happened to me. They reported different things to different bureaus and made it seem like I made payment when I didn't even know the account existed! I filed a complaint with BBB. It took 2 weeks but PRA agreed to close the account and remove their trade lines from all my reports.

also, did you *only* contact the BBB or did you dispute with PRA too?

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Contributor
los_west
Posts: 131
Registered: ‎04-24-2013
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Re: Porftolio Recovery strange reporting...

I disputed with the CRA first, but somehow the info came back verified....which made no sense. So I DV PRA, but kept it simple---didnt want to give them any extra info if I didnt have to-- and didn't hear from them. So I filed a complaint with BBB specifying the problems I had with the account.
Starting Score: (04/18/2013) EX 572, TU 577, EQ 554
Currently: (04/24/2014) EX 764, TU 687, EQ 706 (new version)
Lender Pull 746 (03/2014, I believe it is Experian)
FAKOS: Credit Sesame 756, Credit Karma 685, Cap 1 (TU) 685, Discover (TU) 695, Quizzle 676, Merrick (FICO 8 TU) 710, Walmart 695

Goal: 700 across the board, Mortgage
Frequent Contributor
new_earth
Posts: 417
Registered: ‎03-23-2013
0

Re: Porftolio Recovery strange reporting...

then maybe I will skip even bothering sending anything to PRA and go right to the BBB.

 

It is ridiculous how many times I've heard of these people not responding to ANYTHING. Thanks....did you file w/BBB online?

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $7700 - Amex BCE $2000 - Discover it $2500 - Chase Marriott $5000 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $3300 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
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Re: Porftolio Recovery strange reporting...

When sending a direct dispute and they do not respond directly to you within 30 days, that is an FCRA violation.  They could be sued.

Contributor
los_west
Posts: 131
Registered: ‎04-24-2013
0

Re: Porftolio Recovery strange reporting...

Yes, the BBB dispute was online. Quick and simple....and they keep the file and contact you electronically. No waiting for snail mail!
Starting Score: (04/18/2013) EX 572, TU 577, EQ 554
Currently: (04/24/2014) EX 764, TU 687, EQ 706 (new version)
Lender Pull 746 (03/2014, I believe it is Experian)
FAKOS: Credit Sesame 756, Credit Karma 685, Cap 1 (TU) 685, Discover (TU) 695, Quizzle 676, Merrick (FICO 8 TU) 710, Walmart 695

Goal: 700 across the board, Mortgage
Frequent Contributor
new_earth
Posts: 417
Registered: ‎03-23-2013
0

Re: Porftolio Recovery strange reporting...

awesome thank you, I will be doing this today and post back here when I have a response. :smileyhappy:

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $7700 - Amex BCE $2000 - Discover it $2500 - Chase Marriott $5000 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $3300 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards
New Contributor
mojo_ny
Posts: 65
Registered: ‎05-02-2013
0

Re: Porftolio Recovery strange reporting...

I have an account with them that I already paid in full. I just checked my report and sure enough.... They report it as 120 days late!!!!

Does this mean I can try to have them remove it from my report? Still a bit confused on whether I file with them or just go straight to the BBB. If I do file with the BBB how can I notify Portfolio trecovery so they will take action to move on the reporting?


Starting Score: 603 - EQ, 534 - TU, 669 - EX FAKO
Current Score: 647- EQ, 534 - TU,669 - EX FAKO, 674 TU FAKO
Goal Score: 700 Across the board


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Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Porftolio Recovery strange reporting...


mojo_ny wrote:

I have an account with them that I already paid in full. I just checked my report and sure enough.... They report it as 120 days late!!!!

Does this mean I can try to have them remove it from my report? Still a bit confused on whether I file with them or just go straight to the BBB. If I do file with the BBB how can I notify Portfolio trecovery so they will take action to move on the reporting?


If you a little harder, you'll see that on EQ they are also reporting the following:

 

Account = Open

Type = Original Creditor

 

The theory is that by them listing the account as open, original creditor and it reporting as an installment loan (which we all know is BS), further dings your EQ report. There is some debate about this opinions vary widely on the subject.

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
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New Contributor
mojo_ny
Posts: 65
Registered: ‎05-02-2013
0

Re: Porftolio Recovery strange reporting...

So I guess my best bet may be to go directly to the better business bureu with this?


Starting Score: 603 - EQ, 534 - TU, 669 - EX FAKO
Current Score: 647- EQ, 534 - TU,669 - EX FAKO, 674 TU FAKO
Goal Score: 700 Across the board


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Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Porftolio Recovery strange reporting...

Good luck.

 

I've been told 4-5 times already to "go pound sand".


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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