I have XXXX accounts listed on my credit report by a collection agency called " Portfolio Recovery Associates ''. I have disputed both with XXXX and the response was a remark on my report indicating " XXXX ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type XXXX are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither XXXX nor Portfolio Recovery Associates have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?