Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Type : Credit Reporting Incorrect information / failure to investigate Companies : Portfolio Recovery Associates ; XXXX XXXX XXXX XXXX XXXX Issue : Continued reporting of false information, illegal re-aging, and failure to conduct a reasonable investigation -- - Summary of Violations Portfolio Recovery Associates ( PRA ) and the credit reporting agencies have continued to report false, contradictory, and legally impermissible information even after a previous CFPB complaint and even after PRA responded with a generic statement that ignored every factual issue raised. 

The information being reported is mathematically impossible, internally inconsistent, and legally invalid. Because of these contradictions, the data is not verifiable, and correction is no longer a lawful option. Permanent deletion is required. 


-- - Details of Violations 1. PRA is reporting an impossible balance One PRA account shows : Balance : {$2000.00} Highest balance : {$1800.00} A balance can not exceed the highest balance ever reported. PRAs response ignored this key fact. Continuing to report an impossible number violates : FCRA 607 ( b ) Maximum possible accuracy FDCPA 807 ( 2 ) ( A ) False representation of the amount of a debt -- - 2. PRA is illegally re-aging the debt PRA is reporting : Opened : XX/XX/year> Opened : XX/XX/year> These accounts originated with XXXX years prior. 
Changing the opened date extends the reporting period illegally and violates : FCRA 605 ( c ) Prohibition on re-aging FCRA 623 ( a ) ( 2 ) Duty to correct and update PRAs response never addressed or disputed these false dates.

-- - 3. PRA continues reporting a CLOSED account as still owed One PRA account was marked closed on XXXX XXXX  between XXXX XXXX XXXX, yet PRA still reports a balance of {$2500.00} and labels it placed for collection. 

This is deceptive and violates : FDCPA 807 Misleading representation FCRA 607 ( b ) Accuracy requirements PRAs response failed to acknowledge or explain this.

-- - 4. PRAs reported dispute statuses contradict each other Across bureaus, the same accounts simultaneously show : Dispute resolved consumer disagrees Disputed by consumer No dispute These conflicting statuses prove the accounts are not being reported accurately or consistently.

PRAs response entirely ignored this issue. 


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- - 5. The credit bureaus did not conduct a reasonable investigation The bureaus verified information that is : mathematically impossible internally contradictory reported with illegal dates disputed with documented evidence Under FCRA 611 ( a ), a reasonable investigation can not occur when the data being verified contradicts itself. The bureaus failed in their duty. -- - Requested Resolution Because these PRA accounts are : internally inconsistent mathematically impossible illegally re-aged reported with conflicting dispute statuses unsupported by any actual validation demonstrably inaccurate Correction is not acceptable. The only lawful remedy is permanent deletion of all PRA accounts from all credit bureaus. If deletion is not made, I will escalate to : Federal Trade Commission State Attorney
General Possible private right of action under FCRA and FDCPA

Company response to consumer: Closed with explanation