Portfolio Recovery Reporting

[codefreak13]

I have a couple questions regarding a collection account.

I filed a BBB complaint against Portfolio Recovery for how they are reporting on my CR's (namely showing monthly $50 payments and 120+ days past due which are both false). They responded with some BS that they are not 'reporting' that information and that the information came from HSBC (the OC).

On my EX report as an example the comments section says 'Collection account. $512 past due as of May 2013.' Balance history shows as following:

account balance / date payment received / scheduled payment amount / actual amount paid
Apr 2013: $512 / no data / no data / $50
Mar 2013: $512 / no data / no data / $50
Feb 2013: $512 / no data / no data / $50
...

all the way back to July 2011.

My questions are as follows:
1) I am sure that 120+ days status/comment is dinging me. I know it is on EQ where the account is listed as 120+ days past due, because that is specifically outlined as my number 1 derogatory item. On the universal data form that is sent in, would the CA would have to furnish this comment line? Or does it pull from the Account Status/Account Type fields? I have never agreed to terms, so I cannot be 120+ days late, therefore they are furnishing false information, right?
2) As I have not agreed to payment terms, and have NOT given Portfolio the 25+ $50 payments stated on my reports, they are also furnishing false payment information, correct?

I have a response ready to go but I want to confirm that my basis and understanding for my claims is correct. Thanks everyone.

[john1616]

I have the same thing with Portfolio. I too filed a BBB complaint and they initiated a dispute with only two CRA's. I am thinking the BBB complaint is gonna stop me from sending a Jack Attach type dispute. Not sure if the BBB thing was right.

 

By the way, they gave me the same exact response.