Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Subject : Formal Dispute and Demand for Verification Portfolio Recovery Associates Accounts Dear to whom it may concern, I am writing to formally dispute two accounts currently being reported on my XXXX  credit file by Portfolio Recovery Associates ( also referred to as Portfolio Recovery ). These accounts are listed only on XXXX  and are not reporting to Experian, and both of them was removed from TransUnion after being successfully disputed due to inaccurate and unverifiable information, in violation of federal law. 



Despite the removal from TransUnion, these same accounts remain on my XXXX  report and continue to contain several material inaccuracies. 



Disputed Account XXXX : XXXX. Accounts XXXX Only to XXXX  This is a red flag for accuracy and suggests potential data suppression or selective reporting.

2. Account Status The accounts are marked as Open which is inaccurate for collection accounts, especially those that have been open for over five years and three months.

3. Statute of Limitations According to Illinois state law, the statute of limitations on debt collection is 5 years for written contracts ( 735 ILCS 5/13-205 ). This means Portfolio Recovery may not have legal standing to enforce or sue on this debt if it is beyond that period.

5. Lack of Verification I demand a complete method of verification under FCRA 611 ( 15 U.S.C. 1681i ). I request : The name of the person you interviewed, date, and time of the person XXXX  contacted to verify this debt. 

The phone number and address of the verifying party. 

The original documentation used to verify this account as belonging to me. 

A written explanation of the process you used to verify the data.

Applicable Violations : FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

FDCPA Violations ( for Portfolio Recovery Associates ) : 15 U.S.C. 1692e ( 2 ) False representation of character, amount, or legal status of debt.

15 U.S.C. 1692g ( b ) Continuing collection without proper validation.

15 U.S.C. 1692c ( a ) Contacting consumer at inconvenient times without consent.

Regulation F Violations ( 12 CFR Part 1006 ) : 1006.34 Failure to provide a validation notice with itemized information about the debt.

1006.42 Failure to ensure communication is clear and conspicuous.

1006.30 ( a ) Unfair or deceptive means in collection practices.

Demand for Immediate Action : 1. Immediately investigate both Portfolio Recovery Associates accounts.

2. Provide written verification including the source of the information.

3. If this verification can not be provided within 15 calendar days, permanently delete the accounts from my XXXX  credit report. 

XXXX. Provide a written response outlining the results of your reinvestigation and the documentation used to reach your conclusion. 



Please note that failure to comply with these obligations under federal and state law will prompt me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Illinois Attorney General, and XXXX result in legal action for damages resulting from inaccurate and unlawful reporting. 



I have enclosed proof of identity and address to assist with this investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief