Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
For : PRA Account Ending in XXXX XXXX XXXX Section 1 Summary of Complaint I am filing an escalated complaint because Portfolio Recovery Associates , LLC ( PRA ) has : Provided FALSE statements in their first CFPB response Failed to validate the alleged debt under FDCPA 809 ( b ) Ignored multiple certified disputes sent by me Furnished inaccurate, incomplete, and misleading information to XXXX XXXX and XXXX Continues to report a time-barred debt as collectible in violation of federal law Provided outdated and irrelevant documents that do NOT meet any legal standard of verification Misrepresented their investigation Misrepresented ownership of the alleged debt PRAs actions constitute knowingly false representations, failure to conduct a reasonable investigation, and violations of both the FDCPA and the FCRA. Section 2 Violations and Misconduct 1. PRA LIED in their CFPB response PRA told the CFPB : We have no record of a request or dispute being received. This is FALSE. I sent multiple debt validation and Method of Verification letters via certified mail. All were delivered and signed for by PRA. I have the receipts. This constitutes : FDCPA 807 ( 10 ) use of false representations FDCPA 807 ( 2 ) ( A ) false representation of legal status FCRA 623 ( b ) failure to perform a reasonable investigation 2. PRAs validation is NOT legally compliant PRA sent : Old XXXX XXXXXXXX billing statements A XXXX XXXX we bought your account letter Outdated account summaries None of these documents prove : Legal ownership of the alleged debt Chain of title Itemized proof of the balance Signed agreement Authority to collect Under FDCPA 809 ( b ), validation requires the actual evidence PRA intends to rely on, not generic billing statements. This is NOT validation. This is non-compliance.

3. PRAs documents contradict themselves The documents PRA provided show different : Dates Balances Status Reporting fields Meanwhile, the bureaus each show different information about the same account.


FCRA requires accuracy AND consistency. PRA and the bureaus failed both. 4. PRA concealed that the debt is time-barred PRA admitted previously that : Because of the age of your debt, we will not sue you. Yet PRA is still : Reporting a past-due balance Reporting a charge-off Reporting it as active collection Reporting it as collectible This is illegal. Under Reg. F, FDCPA, and FCRA, you can not : Imply a time-barred debt is enforceable Report it as collectible Mislead a consumer into believing payment is required This is a material misrepresentation of the legal status of the debt. 5. PRA ignored my disputes but responded to the credit bureaus This shows : Intentional avoidance Bad-faith conduct A pattern of failing to comply with federal law Under FCRA 623 ( a ) ( 3 ), a furnisher must mark debts as disputed and investigate ALL disputes. PRA instead : Ignored the consumer Responded to bureaus using outdated data Claimed they never received disputes Provided false narratives to the CFPB 6. PRAs investigation is NOT reasonable PRA claimed : We investigated and verified the account. A reasonable investigation requires : Reviewing ALL evidence Providing documentation supporting the reporting Reviewing consumer-submitted evidence Verifying with the original creditor PRA did NONE of these. 

Sending old XXXX XXXX bills is NOT proof PRA owns the debt.

It is NOT proof the balance is accurate.

It is NOT verification.

This violates : FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) FDCPA 809 ( b ) Section 3 What I Request I am requesting the CFPB to : 1. Require PRA to produce full validation Including : Bill of Sale with MY NAME Full chain of title Assignment agreement containing MY ACCOUNT NUMBER Complete accounting All records used to verify the debt If they can not produce these, then : 2. Require deletion of the PRA account from ALL bureaus Under FCRA 611 ( a ) ( 5 ) ( A ) If data is : Inaccurate Incomplete Can not be verified IT MUST BE DELETED.

3. Require an audit of PRAs verification practices PRA has a well-documented history of : Failing to validate Sending outdated paperwork Responding falsely Ignoring disputes Misrepresenting investigations This complaint includes evidence of this pattern.

4. Require the credit bureaus to delete the account Because PRA : Submitted inconsistent data Failed to properly validate Provided false information Could not prove legal ownership The bureaus must delete.

Section 4 Final Statement PRAs response is a bad-faith attempt to : Avoid proper validation Mislead regulators Maintain an account they can not legally verify Continue reporting inaccurate, incomplete data

Company response to consumer: Closed with explanation