Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX **Subject : Notice of Violation of FCRA Rights and Intent to Litigate** Dear XXXX, I am writing to formally submit a notice of violation of my rights under the Fair Credit Reporting Act ( FCRA ) and to express my intent to pursue litigation due to your continued negligence in addressing false and inaccurate information on my credit report. This correspondence serves to document my issues with the reporting of Portfolio Recovery Associates LLC and to outline your responsibilities under the FCRA. 

**FCRA Violations** Under the FCRA, specifically Section 604, creditors must have a permissible purpose to obtain a consumer report, and under Section 615, consumers have the right to dispute inaccurate information. The FCRA imposes a duty on consumer reporting agencies, like XXXX, to ensure the accuracy and integrity of the information they report. In my case, it is evident that XXXX has failed to uphold these duties, as I have made multiple attempts to dispute the inaccuracies associated with Portfolio Recovery Associates LLC, yet your company has either failed to investigate properly or has disregarded my valid disputes entirely. 

The final evidence of negligence, abuse, and misconduct has come to light through an up-to-date copy of my credit report, where Portfolio Recovery Associates LLC remains listed with derogatory comments indicating that I am in collections, despite the fact that there is no collection activity ongoing. Additionally, this collection account is reported as open with no last date of activity provided. These are clear examples of unverified content displayed on my report that illustrate your company 's gross negligence and potential malicious abuse in reporting practices. 

**Abusive Collection Tactics** Furthermore, I would like to draw your attention to the practices employed by certain creditors, such as Portfolio Recovery Associates LLC , which may constitute abusive tactics in violation of the Fair Debt Collection Practices Act ( FDCPA ). Such practices include ( but are not limited to ) aggressive and misleading communications, failure to provide a valid basis for the debt, and continued reporting of disputed and erroneous information. 

It is profoundly concerning that XXXX has facilitated and perpetuated these abusive tactics by allowing false information to remain on my credit report, thereby contributing to a detrimental impact on my creditworthiness.

**Intent to Litigate** As a result of your ongoing failure to accurately report and address the false reporting and allowed continued inaccuracies reported by Portfolio Recovery Associates LLC , I am left with no choice but to consider legal action. I hereby notify you of my intent to pursue litigation unless immediate corrective action is taken to resolve these reported inaccuracies, ensure compliance with the FCRA, and prevent future occurrences.

**Demand for Compensation** Furthermore, I am seeking monetary compensation for the damages I have sustained as a direct consequence of your gross negligence and violation of my rights under the FCRA. These damages include, but are not limited to, emotional distress, lost opportunities, and the adverse impact on my financial well-being. 

I strongly urge you to take this matter seriously. Should I not receive a satisfactory response within 30 days from the date of this letter, I will proceed with litigation to protect my rights and seek remedies as allowed under applicable law. 

Please respond to this notice in writing at the address provided above. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief