In or around XX/XX/XXXX, my former XXXX XXXX credit card account was turned over to Portfolio Recovery Associates, a Debt Buyer in XXXX, VA. 

Portfolio Recovery began reporting this alleged Collection Matter to all national credit bureaus, in or around XX/XX/XXXX. 

Portfolio Recovery blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As Portfolio Recovery is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that XXXX, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If Portfolio Recovery reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by Portfolio Recovery to " update '' this alleged Matter by one year, thereby significantly increasing the negative effect on my credit scores. 

Further, as Portfolio Recovery has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by Portfolio Recovery was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of Portfolio Recovery, and their credit reporting, as a whole. 

Last but not least, Portfolio Recovery reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly XXXX XXXX dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.