JH Portfolio Debt Equities, LLC Credit Reporting Complaint

JH Portfolio Debt Equities, LLC Credit reporting department,

Incorrect information on credit report Information is not mine Texas

I originally was in default on payments to a - credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since - of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.