Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  Product : Debt collection / Credit reporting I. Summary of Complaint I am filing this complaint due to repeated violations of my rights under federal consumer protection laws. I disputed multiple debts, requested validation and cease communication, and alerted the credit bureaus. Yet : D

ebt collectors continued collection and credit reporting despite no validation or contract. Collectors pulled my credit reports without lawful purpose. Credit reporting agencies ( CRAs ) verified disputed trades with no reinvestigation. These actions contravene FDCPA 1692e/f/g and FCRA 1681b/e/i. I seek enforcement, removal of erroneous tradelines, documentation, and statutory damages. 

II. Detailed Allegations A. FDCPA Violations by Collectors 1. Failure to Validate & Cease Collections ( 1692g ( b ) ) I sent a Debt Validation Request to each collector via certified mail.

Under 15 U.S.C. 1692g ( b ), all collection and reporting must cease until validation is provided.

Despite this, collectors continued contacting me and the debts remain on my credit reports. 

XXXX XXXX : XXXX XXXX ( collector must validate each debt separately ). 

2. Misleading Representations/ No Legal Contract ( 1692e ) I have received no proof of assignment, original contract, or account ownership documents. 

Lack of documentation combined with threats or collection influence misleads me about the debts legitimacy. 

Under 15 U.S.C. 1692e, these are false representations. 

XXXX XXXX : XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ) collectors need definable legal authority.

3. Unfair Practices ( 1692f ) Continued collection of unverified debts constitutes unconscionable conduct.

Use of boilerplate investigation letters without actual evidence review is a violation.

4. Improper Statute of Limitations Notice Portfolio Recovery provided contradictory and potentially misleading notice about statute of limitations, which suggests an intent to mislead consumers into acknowledging debt and waiving rights. This also violates 1692e.

B. FCRA Violations by Collectors and CRAs 1. Unauthorized Credit Inquiries ( 1681b ) The above collectors accessed my credit reports without valid permissible purpose.

This is a violation of 15 U.S.C. 1681b, which mandates that only entities with legitimate need may access CRAs.

2. Continued Reporting of Disputed Debt ( 1681i, 1681e ( b ) ) I disputed the tradeline with all three CRAs in writing ( certified mail on [ DATE ] ). 

However, CRAs marked the item verified without : Conducting meaningful investigation, Providing a reinvestigation summary or updated report within five business days, Disclosing documentation or methods used ( XXXX records, communications with collectors ).

These failures violate : 1681i ( a ) ( 1 ) ( A ) reasonable reinvestigation obligation, 1681i ( a ) ( 6 ) notification requirement, 1681i ( a ) ( 7 ) right to documentation, 1681e ( b ) duty to ensure maximum possible accuracy, 15 U.S.C. 1681s-2 ( a ) ( 3 ) furnishers must mark disputed items as such in reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX automated matching is not a reinvestigation. 

XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) bulletin board logic insufficient for accuracy. 

III. Evidence and Timeline Certified mail receipts for Debt Validation requests and credit bureau disputes. 

Copies of dispute and validation letters and responses ( if any ). 

Credit reports showing continued listing of the disputed account. 

Notifications of unauthorized credit pulls from collectors.

Statute of limitations letters from Portfolio Recovery. 


V. Conclusion Portfolio Recovery Associates, XXXX, XXXX, XXXX XXXX, and the CRAs have violated my rights under FDCPA and FCRAengaging in misleading, unauthorized, and inaccurate practices. I request CFPB enforcement and relief to correct and prevent further violations. 

Respectfully submitted,

Company response to consumer: Closed with explanation