Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX STOP LYING!!! Portfolio Recovery, STOP LYING!!! YOU ARE ILLEGALLY LYING AND FAILING TO VERIFY. To I am filing a formal complaint against XXXX  and Portfolio Recovery Associates , LLC ( PRA ) for reporting a debt that has already been paid in full and for falsely verifying inaccurate information despite my repeated disputes.

The debt in question originated with XXXX XXXX and was enrolled in a legally binding agreement with XXXX XXXX XXXX, under which it was negotiated, settled, and marked as satisfied. Per my contract with XXXX XXXX XXXX, this XXXX XXXX account was to be resolved and REMOVED FROM MY CREDIT REPORT ON XXXX. 

Portfolio Recovery Associates is now falsely reporting this paid debt as an open collection, and XXXX  is COMPLICIT IN THIS FRAUD by continuously stating the debt has been verified, without providing proof, documentation, or legitimate investigation. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable data can be reported.

Legal Violations and Pattern of Abuse XXXX is violating FCRA 611 ( 15 U.S.C. 1681i ) by failing to conduct a reasonable investigation into the dispute and by falsely verifying a debt that is not legally valid.

Portfolio Recovery Associates has a notorious history of fraudulent and abusive collection tactics, including multiple federal fines and legal actions for violating consumer protection laws. Their misconduct is well-documented across consumer reports and legal databases. 

The original debt was with XXXX XXXX, not PRA. I never entered into any contract or agreement with PRA. Their attempt to collect or report the debt as active is deceptive, inaccurate, and predatory. 

XXXX  is knowingly publishing false information, even after being presented with proof that the debt was resolved under XXXX XXXX XXXX. Their actions constitute willful negligence and legal noncompliance.

Relief Requested I demand the immediate deletion of the Portfolio Recovery Associates account from my XXXX  credit report. This debt has been legally settled and must not be reported in any form.

I further request that the CFPB investigate XXXX  for continuing to verify clearly invalid information,
and Portfolio Recovery for their ongoing deceptive practices and abuse of the credit reporting system.

Attached is ( or will be provided ) supporting documentation including my contract with XXXX XXXX XXXX, and confirmation that this XXXX XXXX account was resolved and included in the agreement. According to XXXX XXXX XXXX, XXXX XXXX XXXX was obligated to ensure the deletion of this debt. 

Both XXXX  and PRA are knowingly violating federal law, causing financial harm and distress through fraudulent reporting and illegal debt collection behavior. These actions must be fully investigated and sanctioned. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation