Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am formally disputing all Portfolio Recovery Associates , LLC tradelines currently appearing on my consumer credit reports, including but not limited to accounts ending XXXX, XXXX, XXXX, XXXX, and XXXX. These accounts have been reported inaccurately and without competent proof of ownership and have remained inaccurate for months despite repeated disputes. 

Portfolio Recovery Associates is reporting incorrect and factually impossible opened dates for its tradelines, including future open dates of XXXX and dates that reflect Portfolio Recovery Associates purchase or acquisition date rather than the original creditors account opening date. A tradeline can not open in the future, and a debt buyer may not re-age an account by substituting its acquisition date for the original opening date. This information is objectively false and can not be verified. 

In its CFPB response dated XX/XX/XXXX, Portfolio Recovery Associates admitted that it purchased the alleged XXXX  XXXX account on or about XX/XX/XXXX, while simultaneously claiming original opening dates years earlier between XXXX and XXXX. Despite this admission, Portfolio Recovery Associates continues to furnish contradictory and inaccurate date information to the consumer reporting agencies. 

Portfolio Recovery Associates has also failed to provide proof that these debts belong to me. The only documents ever provided as validation are collection letters listing my name and address, an alleged balance, and an alleged original creditor. These documents do not constitute proof of ownership or consumer responsibility. Portfolio Recovery Associates has not provided a signed credit application, a signed cardholder agreement, proof of identity verification at account opening, account statements showing usage by me, or a complete chain of title proving legal ownership of each specific account. A collection notice alone is not validation and does not meet the standard of a reasonable investigation. 

I have disputed these accounts multiple times. Portfolio Recovery Associates acknowledged disputes in its CFPB response and stated it investigated and verified the accounts, yet the inaccurate and impossible information continues to appear on my credit reports. Continuing to furnish information that is known or should be known to be inaccurate after notice of dispute constitutes willful noncompliance. 

Portfolio Recovery Associates conduct violates multiple provisions of federal law, including the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for furnishing information with knowledge or reasonable cause to believe it is inaccurate, 1681s-2 ( a ) ( 2 ) for failure to correct and update inaccurate information, 1681s-2 ( a ) ( 3 ) for failure to properly mark accounts as disputed, 1681s-2 ( b ) for failure to conduct a reasonable investigation after notice of dispute, and 1681e ( b ) for failure to ensure maximum possible accuracy. This conduct also violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e for false, deceptive, or misleading representations, 1692e ( 8 ) for communicating credit information known or which should be known to be false including failure to communicate disputes, and 1692f for unfair or unconscionable collection practices. 

Because Portfolio Recovery Associates is furnishing information that is factually inaccurate, internally inconsistent, and unsupported by competent proof, correction is not appropriate. I am demanding immediate deletion of all Portfolio Recovery Associates tradelines from XXXX XXXX XXXX XXXX. If deletion is not completed, I request the method of verification used to support each disputed data field and copies of all documents relied upon to establish ownership, accuracy, and consumer responsibility. Absent deletion, I reserve all rights to pursue further regulatory and legal remedies. 

Attachments include credit report screenshots showing inaccurate and future open dates, the Portfolio Recovery Associates CFPB response dated XX/XX/XXXX, and Portfolio Recovery Associates collection letters relied upon as proof, which do not establish ownership.

Company response to consumer: Closed with explanation