Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
portal : Subject : Formal Dispute Inaccurate, Unverified, and Potentially Illegal Credit Reporting To Whom It May Concern : My name is XXXX XXXX, and I am filing this formal complaint to dispute and demand immediate removal of multiple negative items appearing on my credit report. These items have caused serious harm to my credit profile and are either inaccurate, unverifiable, duplicative, fraudulent, or reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite prior disputes and requests for validation, these accounts remain on my report. The furnishers involved have failed to provide legal validation of the debts, including any original signed agreements or full account history. In several cases, accounts are reported multiple times ( such as with Portfolio Recovery XXXX XXXX XXXX XXXX violating my rights under federal law. 

I am requesting that the Consumer Financial Protection Bureau initiate a full investigation and compel the immediate removal or correction of these accounts. These accounts can not remain without proper documentation and verification under federal law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX {$2700.00} Reported XX/XX/XXXX No contract, no validation, unverified Request : Delete XXXX XXXX XXXX XXXX {$100.00} Reported XX/XX/XXXX Not recognized, no proof, unverified Request : Delete XXXX XXXX XXXX XXXX$1100.00} Reported XX/XX/XXXX No documentation, unverified Request : Delete XXXX XXXX XXXX XXXX$340.00} Reported XX/XX/XXXX Duplicate reporting, no contract Request : Delete XXXX XXXX XXXX {$3600.00} Reported XX/XX/XXXX No signed agreement, not validated Request : Delete XXXX XXXX XXXX {$660.00} Reported XX/XX/XXXX Unverified, no proof Request : Delete Portfolio Recovery {$1000.00} Reported XX/XX/XXXX Duplicate, unverified Request : Delete Portfolio Recovery {$1100.00} Reported XX/XX/XXXX Duplicate, inconsistent Request : Delete Legal Basis for Dispute : I am invoking my rights under the following : FCRA Section 611 Right to dispute inaccurate or unverifiable information FCRA Section 623 Duties of furnishers to report accurately FDCPA Sections 807809 Right to debt validation and protection from misleading information Requested Resolution : Immediate deletion of all accounts listed above if full legal validation ( including signed contracts ) can not be produced Written confirmation of the outcome from each furnisher or reporting agency Permanent cessation of any further unlawful reporting practices These accounts are impairing my ability to access credit and financial opportunity. If the entities involved can not verify these accounts, they must be removed immediately under federal law. I am keeping full records of this complaint for possible legal action. 

My Contact Information : XXXX XXXX XXXX : XX/XX/XXXX XXXX ( last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OK XXXX Phone : ( XXXX ) XXXX Email : [ Insert your current email ] Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation