Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Cease and Desist Portfolio Recovery Associates Reporting Violations Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am submitting this formal complaint and request for regulatory intervention regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Portfolio Recovery Associates , LLC. This complaint concerns their continued reporting and collection activity related to an alleged debt originally associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$390.00}, under Account # XXXX, which appears on my XXXX XXXX XXXX XXXX consumer credit reports. Despite my prior written disputes sent to all three major consumer reporting agencies, and a separate debt validation request sent directly to Portfolio Recovery Associates pursuant to 15 U.S.C. 1692g ( b ), the collector has failed
to provide any verifiable proof of ownership, contract, or assignment establishing a lawful obligation. Under 15 U.S.C. 1681i ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ), any data that can not be substantiated through reasonable investigation must be removed from all credit files. 

Portfolio Recoverys continued reporting and failure to validate constitutes deceptive collection and inaccurate credit reporting, in direct violation of : FDCPA 807 ( 8 ) False representation of credit information FDCPA 809 ( b ) Failure to validate a disputed debt FCRA 602 ( A ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( A ) Failure to maintain maximum accuracy and reinvestigate disputed information Furthermore, established case law, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), XXXX v. Equifax XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( C.D. XXXX. XXXX ), confirms that a mere reliance on a furnishers unverifiable data does not constitute a reasonable investigation under the FCRA. 

I hereby request that the Consumer Financial Protection Bureau : 1. Investigate Portfolio Recovery Associates reporting and collection activity ; 2. Require the immediate cessation of all collection and credit reporting related to this account ; 3. Ensure deletion of the tradeline from all consumer reporting agencies if verification can not be substantiated ; and 4. Impose appropriate regulatory action or sanctions if statutory violations are confirmed.

I have enclosed copies of my dispute correspondence, validation request, and current credit reports for your review. This complaint is made in good faith to enforce my rights under federal consumer protection laws.

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide any next steps or findings upon completion of your investigation. 

Please delete with in 30 day Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, CA XXXX XXXX ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief