Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this response to formally request the removal and deletion of the Portfolio Recovery Associates , LLC tradeline from my credit reports with XXXX XXXX, and XXXX, as this account has been identified as potential fraud and does not belong to me. 

I discovered that a Portfolio Recovery Associates tradeline was being reported on my credit file as a collection account. I immediately reviewed my records and confirmed that I never opened, authorized, used, or benefited from this account, and I have no contractual or consumer relationship with Portfolio Recovery Associates or the alleged original creditor. This account is not mine and is the direct result of identity theft. 

Upon discovering this inaccurate and fraudulent reporting, I acted promptly and in good faith. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted disputes through the appropriate channels, including the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies. I provided documentation supporting my identity theft claim and requested validation and removal of the fraudulent tradeline. 

As reflected in the CFPB complaint record and XXXX response, XXXX  reviewed the complaint and stated that there may be potential fraud involved, confirming that this account is not legitimate and may have been the result of identity theft. Despite this acknowledgment of potential fraud, the Portfolio Recovery Associates tradeline continues to appear on my credit report, causing ongoing harm to my credit standing. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to ensure that information reported is accurate, complete, and verifiable. When an account is identified as fraudulent or the result of identity theft, it must be blocked and removed from the consumers credit file. Continued reporting of a fraudulent account after receiving notice of identity theft and FTC documentation is a violation of the FCRA. 

Portfolio Recovery Associates has not provided any original signed contract, application, proof of authorization, or identity verification evidence demonstrating that I am legally responsible for this account. Internal records or third-party data do not constitute valid proof of ownership, especially when identity theft has been formally reported and acknowledged. 

The continued presence of this tradeline has caused significant and ongoing harm, including damage to my creditworthiness, financial standing, and ability to access fair credit opportunities. A cease-and-desist or account under review status is not sufficient and does not correct the inaccurate reporting. The issue is not communicationit is fraudulent reporting of an account that does not belong to me. 

Given that : I do not own this account I filed an FTC Identity Theft Report The CFPB complaint record shows potential fraud XXXX acknowledged that I may have been a victim of fraud No valid proof of ownership has been provided there is no legal or factual basis for Portfolio Recovery Associates to continue furnishing this tradeline. 

I am therefore requesting that Portfolio Recovery Associates and all credit reporting agencies immediately delete and permanently remove this tradeline from my credit reports under the FCRAs identity theft and accuracy provisions. This deletion should apply across XXXX XXXX and XXXX with written confirmation that the account has been fully removed and will not be reinserted. 

This request is made to correct inaccurate credit reporting and to stop the continued harm caused by the reporting of a fraudulent account. I am not requesting partial relief or suppressionI am requesting complete deletion, as required by law when identity theft is confirmed or reasonably suspected.

Company response to consumer: Closed with non-monetary relief