CA Reporting as Revolving???

[kaa05]

Hi all,

 

I have an account open with Portfolio Recovery Associates from 2012 that I have been disputing and I just noticed it's reporting as a revolving account but says it's collection in the comments with Equifax- is this allowed? The report says I have 0 accounts in collection so I know it's not registering as a collection but I didn't think CA could identify as a revolving account?

 

It's a small amount from Capital One that quite honestly, I don't remember being associated with. They offered me a settlement but I turned it down. I was going to attempt for a PFD but wanted to check if this is grounds for a dispute first.

 

PORTFOLIO RECOVERY A Company/Account Name: PORTFOLIO RECOVERY A Company Address/Phone: Riverside Commerce Center
120 Corporate Blvd Ste 100
Norfolk, VA 235024962
Account Number: XXXXXXXXXXXXXXXXXX Date Opened: 06/20/2014 Last Activity: N/A First Delinquency: 09/2012 Type: Revolving Rate/Status: High Credit: $581 Terms: N/A Balance: $581 Past Due: $581 Most Recent Date Reported: 11/06/2014 Comments on Account: Consumer disputes after resolution,
Collection account

 

 

Thanks all!

 

 

[funkiehouse]

I would make sure it was yours before offering to pay it.

 

Is this from your hard copy reports or credit monitoring?

 

The revolving part may just be describing what type of account it was from the OC reporting.

[kaa05]

Hi funkiehouse.

 

This is from my free annual report from EQ.

 

The CA said there is no documentation attached to the account, all they could tell me was my name, the OC & the amount that's owed. I'm feeling a little stuck seeing they're making it impossible to get in touch with anyone at the CA. At first, they gave me someone else's personal information (SSN, DOB, address) when trying to identify "my" account...the company sounds like it's a mess!

 

Any ideas on what I should do to get rid of this?

[funkiehouse]

Hi funkiehouse.

 

This is from my free annual report from EQ.

 

The CA said there is no documentation attached to the account, all they could tell me was my name, the OC & the amount that's owed. I'm feeling a little stuck seeing they're making it impossible to get in touch with anyone at the CA. At first, they gave me someone else's personal information (SSN, DOB, address) when trying to identify "my" account...the company sounds like it's a mess!

 

Any ideas on what I should do to get rid of this?

 

Do you have any of this in writing?

 

I would consider filing a CFPB complaint.

 

http://www.consumerfinance.gov/complaint/

 

Let's see what other people suggest as well before doing that.

[funkiehouse]

What's the timeline of what you have done and how have you done it (phone, mail, online)?

[kaa05]

Hi all,

 

Most of it has been done over the phone unfortunately so I don't have any physical documents. I did take down the employee ID of the woman I spoke with who gave me all of the information (and I have the other woman's information that they gave me) but that's about it.