Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card False statements or representation Attempted to collect wrong amount New York

I had a - - Secured -. The Card was opened -/-/-. I put down a $150.00 Security Deposit towards the secured card. -/-/- I was 120 days late and owed $160.00 -/-/-. Without any notice - - applied my security deposit towards the balance of my account -/-/-. -/-/- I logged into my online account and made the required minimum payment due of $160.00. - - did not tell me my account was closed or that the security deposit was applied to the balance. -/-/- the balance was -. - - sold this account to Portfolio Recovery Associates. I have disputed this debt with - -, PRA, and all - credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is - when it was -. This account was closed by - - and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that -/-/- I was 150 days late when -/-/- I made the minimum payment due of - on - five days before the due date of -. The Account was charged off -/-/- despite the fact the account was brought current -/-/-. - - and PRA refuse to correct any of these egregious errors. All - credit reporting agencies also have the proof of this account status and refuse to correct the account.