A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.