Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : XXXX XXXX Portfolio Recovery Associates for Debt Collection Violations Issue Summary : I am filing this complaint against Portfolio Recovery Associates for alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company has engaged in inaccurate credit reporting, failed to validate the debt, and omitted key information such as the original creditor. These practices have caused significant harm to my financial standing and peace of mind. 

Details of the Issue : XXXX. Failure to Validate the Debt : Portfolio Recovery Associates has failed to provide proof that the debt is valid and that they have the legal authority to collect it, despite their obligation under the FDCPA to do so. 
When requested, they did not provide documentation of the original creditor, account history, or a clear explanation of the debt balance, leaving me unable to confirm its legitimacy. 
XXXX. Incomplete and Misleading Credit Reporting : The company reported this debt to the credit bureaus but omitted critical information, such as the identity of the original creditor, which is required for accurate reporting. 
They appear to have re-aged the debt by assigning a misleading Date of Account Status ( XX/XX/year> ) and Last Payment Received date. This appears to be an attempt to reset the XXXX reporting period tied to the Date of First Delinquency ( DOFD ), which is prohibited under the FCRA. 
XXXX. Inaccurate Payment History : Payments made toward this debt or settlements reached with the original creditor or Portfolio Recovery Associates are not reflected in their reporting. This is misleading and damaging to my credit profile. 
XXXX. Potential Harassment or Abusive Practices : By failing to validate the debt and misreporting it, Portfolio Recovery Associates is engaging in practices that may be considered unfair, deceptive, or abusive under the XXXX guidelines. 

Harm Caused : These actions have caused significant harm, including : Lowered credit scores due to inaccurate and derogatory reporting. 
Emotional distress from dealing with unclear and unverified claims. 
Difficulty in understanding the legitimacy of this debt due to a lack of transparency. 

Supporting Documentation : I have attached : Screenshots of the reported account from my credit report, showing the lack of original creditor details and questionable date manipulation. 
A summary of payments made or settlements reached ( if applicable ). 
Copies of my correspondence with Portfolio Recovery Associates, demonstrating their failure to validate the debt. 

Final Note : I believe Portfolio Recovery Associates actions represent a clear violation of consumer rights under federal laws. I trust the CFPB will investigate this matter thoroughly and ensure compliance with all relevant regulations to protect my rights. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation