Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates LLC for inaccurately reporting a debt on my credit report without providing any evidence to substantiate my ownership of the alleged debt. Despite my prior request for validation, Portfolio Recovery Associates LLC has failed to provide documentation linking me to this debt or justifying the reported balance of {$770.00}. I dispute this debt in its entirety and demand its immediate removal from my credit reports due to their lack of evidence and potential fraudulent reporting. 

Additionally, I have never been notified of this alleged debt, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have no knowledge of this debt and have never signed an agreement or contract with Portfolio Recovery Associates LLC. Their failure to notify me and validate the debt raises serious concerns about the legitimacy of their claim. 

Violations Identified : XXXX. Failure to Provide Validation of Debt : Despite my formal request, Portfolio Recovery Associates LLC has not provided : A signed agreement or contract confirming my obligation for this alleged debt. 
Evidence to support the balance of {$770.00}.

Proof that they legally own this debt and have the right to collect it.

This violates 15 U.S.C. 1692g ( b ) of the FDCPA, which requires debt collectors to cease collection activities until they validate the debt.

2. Failure to Notify of Alleged Debt : Portfolio Recovery Associates LLC has failed to notify me of this debt as required under : 15 U.S.C. 1692g ( a ) : Debt collectors are required to provide a written notice of the debt within five days of their initial communication. I have not received such notification.

15 U.S.C. 1692e ( 11 ) : Debt collectors must disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose. I was never informed about this debt or their collection attempts.

3. Inaccurate and Misleading Reporting : 15 U.S.C. 1681e ( b ) : The account contains inaccuracies and inconsistencies : Conflicting " Date Opened '' entries : XXXX lists XX/XX/year>, while XXXX lists XX/XX/year>. 
The " Date Last Active '' is listed as XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX ), but no activity or payments are documented to justify this. 
Discrepancies in reporting history across bureaus raise doubts about the accuracy and reliability of the information.

15 U.S.C. 1681i ( a ) ( 1 ) : The credit bureaus are required to investigate disputes thoroughly, yet the inaccuracies in this report persist.

4. Potential Fraudulent Reporting : Reporting a debt without any evidence to support its validity may constitute fraudulent reporting under the Fair Credit Reporting Act ( FCRA ).

5. Violation of Reporting Timeframes : 15 U.S.C. 1681c ( a ) ( 4 ) : Adverse information should not be reported for more than seven years unless properly substantiated. No evidence has been provided to demonstrate that this debt is within the permissible reporting period.

6. Violation of the FDCPA : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of the debt.

15 U.S.C. 1692e ( 8 ) : Reporting a debt without indicating it is disputed violates this provision. 

Remove this account from all credit bureaus ( XXXX, XXXX, and XXXX ) due to the lack of evidence linking me to this debt and the inconsistencies in reporting. 
Investigation : Conduct an investigation into Portfolio Recovery Associates LLCs practices regarding debt collection and credit reporting for compliance with the FCRA and FDCPA. 
Accountability : Enforce penalties against Portfolio Recovery Associates LLC for their failure to adhere to federal regulations governing debt collection and credit reporting. 

I am not requesting additional validation for this debt. The lack of evidence and the violations identified demonstrate that Portfolio Recovery Associates LLC can not substantiate this debt as mine. Therefore, I demand the immediate removal of this account from my credit reports. 

Portfolio Recovery Associates LLC must also be held accountable for their non-compliance with federal laws and regulations. 

If this account is not removed immediately, I will have no choice but to pursue legal action against Portfolio Recovery Associates LLC for violating my rights under the FDCPA and FCRA. I will seek all available remedies, including statutory damages, attorneys fees, and punitive damages, to ensure compliance and accountability.

Company response to consumer: Closed with explanation