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So after going back and forth with these people, my complaint to BBB worked!!!!! I just got their response: Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in 3520 and requested that the credit reporting agencies delete our trade line for the account from their consumer reports. So happy right now!! This site/this forum/you smarty-pants FICO geniuses rock my socks!!
Congrats!!!! They were my toughest one!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Starting Score: CK 519 FICO 498
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
If someone can tell me how to post a picture, I will post the whole thing from my complaint to their response!!
But here is what I wrote as my complaint: (I just wrote it as if I were my boyfriend)
"Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from HSBC and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account."
I just kind of rambled and it probably has a ton of mistakes, but IT WORKED!! I sent the complaint through the BBB website on 2/11 and Portfolio Recovery responded on 2/14 so it was fast!
Here was their response: "Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in 3520 and requested that the credit reporting agencies delete our trade line for the account from their consumer reports."
But here is what I wrote as my complaint: (I just wrote it as if I were my boyfriend)
"Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from HSBC and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account."
I just kind of rambled and it probably has a ton of mistakes, but IT WORKED!! I sent the complaint through the BBB website on 2/11 and Portfolio Recovery responded on 2/14 so it was fast!
Here was their response: "Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in 3520 and requested that the credit reporting agencies delete our trade line for the account from their consumer reports."
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