Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Subject : Formal Escalation Portfolio Recovery Associates ( XXXX ) Continued False Reporting, Failure to Validate, and CFPB Inaction -- - Complaint Narrative : I am filing this new complaint because Portfolio Recovery Associates ( XXXX ) continues to report XXXX alleged XXXX Bank accounts ( ending in XXXX and XXXX ) that are inaccurate, unverified, and unlawfully damaging my credit, despite multiple CFPB complaints and extensive documentation proving they can not validate the debts. 

This is now my fifth complaint regarding these same accounts, which shows an ongoing pattern of noncompliance and disregard for the law. My prior complaint numbers include : # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) In their most recent response ( XX/XX/year> ), XXXX once again failed to provide proper debt XXXX under the Fair Debt Collection Practices Act ( FDCPA, XXXX U.S.C. XXXX ) or comply with their duties under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ). 

XXXX has only provided internal business records and billing statements not : XXXX. A signed contract or original application proving I opened these accounts. 


XXXX. A complete chain of title showing legal transfer from XXXX XXXX  to XXXX. 


XXXX. Proof of legal authority to collect or report these debts. 



Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, collection and credit reporting must cease until proper validation is provided. XXXX violated this law by continuing to report unverified accounts. 

Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate or incomplete information when notified by credit bureaus or the CFPB. PRAs repeated refusal to do so is a clear and willful violation of federal law. 

PRAs statement that my dispute was untimely is false. I have filed multiple CFPB complaints and disputes throughout 2025 all while the accounts are actively reporting. Their claim is a deceptive attempt to avoid their legal obligations. 


-- - CFPB Accountability It is unacceptable that the CFPB continues to mark my complaints as closed while the company remains in violation of federal law. This process is supposed to protect consumers, not shield repeat violators. 

If the CFPB continues to close complaints without requiring deletion or compliance, it defeats the entire purpose of having this agency. Consumers like me deserve enforcement and accountability, not form letters and dismissals. 

Because of XXXX ongoing false reporting and the XXXX lack of enforcement, I will be filing a formal complaint with the Texas Attorney XXXX XXXX XXXX XXXX and pursuing legal action under the FDCPA and FCRA. 


-- - Requested Resolution I demand the following actions : XXXX. Immediate and permanent deletion of both Portfolio Recovery Associates accounts ( ending in 2459 and 3109 ) from all credit bureaus ( Equifax, Experian, and TransUnion ). 


XXXX. These accounts must never appear on my credit reports again under any name, trade line, or variation. I am requesting that CFPB ensure no reinsertion of these accounts under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. A formal CFPB investigation into Portfolio Recoverys pattern of deceptive reporting and noncompliance. 


XXXX. Referral to the Federal Trade Commission ( FTC ) and Texas Attorney General for enforcement and penalties against XXXX for repeated violations. 


XXXX. Written confirmation that XXXX has been instructed to permanently remove these accounts and cease all collection activity. 




-- - Summary Portfolio Recovery Associates has repeatedly violated the FDCPA and FCRA through unlawful collection, continued false reporting, and deceptive responses to federal complaints. The CFPBs repeated closure of these complaints without action enables continued harm to consumers. 

I expect this matter to be treated as a formal escalation and enforcement request not another routine review. If no corrective action is taken within 30 days, I will proceed with complaints to the Texas Attorney General, Federal Trade Commission, and consumer litigation counsel for damages and injunctive relief.

Company response to consumer: Closed with non-monetary relief