Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX To whom it may concern : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX  XXXX I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both XXXX XXXX standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.If you do not take action and comply with my request, I will have no choice but take legal action against you! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form PORTFOLIO RECOV ASSOC ( XXXX ) - ( XXXX ) XXXX PORTFOLIO RECOV ASSOC - XXXX XXXX XXXX Description : Individual Balance Owed : XXXX {$2700.00} Credit Limit : XXXX -- Account XXXX XXXX XXXX Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX High Balance : XXXX Last Verified : XXXX XXXX CollectionOrChargeOff Installment -- ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT XXXX {$2500.00} XXXX Account Account Status : XXXX Closed Creditor Type : - CollectionServices - XXXX Dispute Status : XXXX XXXX Last Payment XXXX XXXX -- Past Due Amount : XXXX -- Date Reported : Date of Last Activity : XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Payment Status : XXXX Loan Type : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX  XXXX Payment XXXX XXXX XXXX XXXX CollectionOrChargeOff FactoringCompanyAccount Payment XXXX : XXXX -- Term Length : XXXX XXXX I am contacting you regarding the inaccurate reporting of the account PORTFOLIO RECOV ASSOC with number XXXX XXXX my credit report. According to your records, this account is currently listed as CollectionOrChargeOff, opened on XXXX, with a date of last activity recorded as XXXX, and last verified on XXXX. This information is incorrect, and I am requesting the immediate deletion of this account from my credit report. 
Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain and report only accurate information. I also request that you provide me with the specific documentation used to verify this account, along with evidence supporting the {$2700.00}, as I firmly dispute this amount. 
The significance of ensuring accurate reporting was notably emphasized in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). In this case, the court found that failing to conduct a reasonable investigation into disputed accounts was a violation of the FCRA, resulting in damages awarded to the plaintiff. This ruling underscores your obligation to ensure the accuracy of the information reported about my account. 
Furthermore, in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court highlighted that credit reporting agencies must promptly remove information that is inaccurate or can not be verified. This case establishes a clear precedent that unverifiable information, such as the incorrect details on my report, must be corrected or deleted. 
Considering these legal precedents, I urge you to take immediate action to investigate and rectify this matter, as required by federal law. 
Also, see the image above for PORTFOLIO RECOV ASSOC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
Appreciatively XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, XXXX  XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation