portfolio recovery is now also misreporting on my credit file as the original lender of the account which is 100 % untrue as XXXX is the original lender. the credit report also states that they took ownership of the account starting in XXXX 2015 when the account was assigned to them in XXXX of 2015. they have claimed to be the original collector to many individuals and I am XXXX of those victims. I have proof of this misreporting from my report which I will attach. They report to the bureaus XXXX per month to confuse the FICO system ( which is used in 90 % of all financial decisions and the only score and report that actually matters as we know XXXX about who the lender is and to get it to stay on the report for seven years instead of the original date of delinquency. i have confirmed the error on my report as well as directly with the representative that they do claim original lender with a date of original default in XXXX 2015. the error is still there right now and must be by law, deleted, not adjusted as this is misreporting information and I was turned down for a loan based on having a recent date of original delinquency. This is fairly simple. They are not a lender and I never borrowed money from them. They purchased my account from XXXX XXXX.