Every month I get an alert from Fico saying there has been a new collection added to my report. I look at it and each time it is PRA for the same collection I have had for 3 plus years.. Why would they do this???? Are they doing this just to make my credit score suffer? I do not see any other reason in it. I have a unsecured CC with Capital One that I just tried getting a CLI for and it denied me stating a recent credit discrepancy. I have not had one issue with anything for over 3 years other than PRA keep re-adding the same collection back to my reports. Can someone help me understand whats going on please?