Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Portfolio Recovery Associates ( PRA ) and the credit reporting agency XXXX  for egregious and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and XXXX XXXX Compliance Standards.

Despite disputing this account more than 60 days ago, XXXX  has failed to remove or properly verify the validity of PRAs tradeline. XXXX  has already deleted this account and not placed it back on my report, indicating their recognition of the disputes merit. 
NOTICE OF INTENT TO LITIGATE Subject : Legal Notice of Pending Litigation for Willful Noncompliance with FCRA, FDCPA, and XXXX XXXX Standards Portfolio Recovery Assoc. Orig. Creditor XXXX XXXX XXXX. XXXX To Whom It May Concern, This letter serves as your formal Notice of Intent to File a Civil Lawsuit in response to the continued unlawful reporting, reinsertion, and maintenance of a disputed and fraudulent collection tradeline by Portfolio Recovery Assoc. Orig. Creditor XXXX XXXX XXXX. XXXX on my XXXX  credit report. 
Despite prior disputes, extensive documentation, and XXXX  having removed this account permanently, both Portfolio Recovery Assoc. Orig. Creditor XXXX XXXX XXXX. XXXX and XXXX  have engaged in repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and Federal XXXX XXXX Compliance Standards. Further, Portfolio Recovery Assoc. Orig. Credito
r XXXX XXXX XXXX. XXXX is not licensed to collect debts in Florida, in violation of Florida Statute 559.553. Reference attached XXXX XXXX XXXX document with licensing. The continued collection, reporting, and updating of this account is unlawful.

Your actions have resulted in : Direct economic injury, including denial of business funding and personal credit.

Violation of FCRA 1681i and 1681s-2 ( b ) for failure to conduct a reasonable investigation and report accurate data.

XXXX XXXX noncompliance by furnishing a tradeline with inaccurate coding, dates, and misleading statuses ( e.g., switching from repossession to charge-off ).

Negligent and/or willful harm, entitling me to statutory damages up to {$1000.00} per violation, plus actual damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

I am demanding : 1. Immediate deletion of the disputed Portfolio Recovery Assoc. Orig. Creditor XXXX XXXX XXXX. XXXX tradeline from all bureaus, especially XXXX  and XXXX  if persist. 
2. Written confirmation of deletion within 10 calendar days.

3. Monetary compensation for the financial harm caused, including but not limited to lost credit opportunities, emotional distress, and funding denials.

Should you fail to comply, I will initiate a civil action in a court of competent jurisdiction without further notice. My lawsuit will seek : Statutory damages Actual damages Punitive damages Legal costs and attorneys fees A declaratory judgment Injunctive relief The Portfolio Recovery Associates collection account in question was previously removed from my XXXX  credit file following a valid dispute. However, XXXX  has since reinserted the accountwithout providing the required notice within five ( 5 ) business days, and without any certification of accuracy from the data furnisher, as mandated by law.

Violations Cited : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) A consumer reporting agency must notify the consumer in writing within 5 business days of reinserting any previously deleted information, including the name, address, and phone number of the furnisher.

This notification was never sent.

15 U.S.C. 1681s-2 ( b ) Portfolio Recovery Associates , as the furnisher, is required to report data accurately and update or delete information that is inaccurate, unverifiable, or misleading.

The tradeline continues to report erroneous data, including manipulated status changes ( e.g., " charge-off '' following " repossession '' ) and dates that contradict proper XXXX XXXX XXXX. 

XXXX XXXX Compliance Violations The account does not reflect accurate payment history, date of delinquency, nor proper coding for a legally removed and reinserted tradeline. 

This represents willful disregard of industry standards that govern how data must be furnished to credit bureaus.

15 U.S.C. 1681n & 1681o These actions constitute willful and/or negligent noncompliance, entitling me to : Actual damages Statutory damages of up to {$1000.00} per violation Punitive damages Attorneys fees and court costs DEMAND : I demand the immediate and permanent removal of this tradeline from my XXXX  credit report, along with written confirmation of deletion.

If XXXX  fails to comply within 10 calendar days, I reserve the right to pursue legal action in a court of law and file complaints with the Consumer Financial Protection Bureau ( CFPB ), Florida Attorney General, and FTC.

Please govern yourselves accordingly. 
Sincerely, XXXXXXXX XXXX XXXX XXXX  SSN ( Last 4 ) : XXXX DOB : XX/XX/year>

Company response to consumer: Closed with explanation