Date Received: 2018-11-05T00:00:00.000
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State/Zip: NC 282XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3065852
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