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Portfolio Recovery sued, I won (dismissed w/p), but still collection on credit reports


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Portfolio Recovery sued for a Capital One account, I won (the case was dismissed with prejudice), yet their collection still shows on my credit reports. When I have disputed it (twice now), it is re-verified and re-aged.

 

In the settlement agreement, they agreed to stop all collection activity -- does this not violate the terms of the settlement agreement?

 

What to do next?

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Contact a Fair Credit Reporting Act consumer attorney. There are several good ones available online.

 

Services are usually free because the defendent ( PRA or Cap 1) pays the attorneys fees.

 

The plaintiff (that will be you) will probally never set foot in a court room as most settle outside.

 

Even if you lose the case, there is usually no cost to you.

 

Look over the consumer attorneys web site to get an understanding how they operate.

 

I have personally used Krohn & Moss several times; they may or may not be available in your area but have a look if interested

 

It's easy and satisfying :grin:

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PRA is the one reporting as a collection.

 

I dispute it, but it keeps coming back "verified".

Do you have documentation from the court showing the verdict in your favor and dismissing the case with prejudice? If so, and you just want this off your report, you can send (or upload) a copy of that document to the CRAs. That would probably get them to delete, and if it doesn't, you could file a CFPB complaint. This assumes you are not looking for a lawsuit, and really just want the TL off your report.

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The last post in this topic was posted 1938 days ago. 

 

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