Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Re : Escalated Complaint Against Portfolio Recovery Associates and [ Credit Bureau ] Account Number : Portfolio RC XX/XX/5243Dear CFPB Representative, I am submitting this escalated complaint against Portfolio Recovery Associates and the credit reporting bureau ( s ). Despite multiple prior complaints and disputes, this company continues to report false and misleading information and refuses to provide proper documentation as required by law.

In each of my disputes, Portfolio Recovery Associates has only provided generic billing statements. These statements do not prove ownership of the debt, do not show a legally valid transfer of the account, and do not meet the requirements of debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) or the accuracy standards under the Fair Credit Reporting Act ( FCRA ).

Why Statements Are Not Verification : A billing statement is not proof that Portfolio Recovery legally owns or has the right to collect on the alleged debt. 

True validation requires the original signed agreement, a full chain of title from the original creditor to Portfolio Recovery, and an accounting of all charges, interest, and fees. 

By repeatedly sending only statements, Portfolio Recovery is failing to validate and misleading both myself and the credit bureaus. 


Ongoing Reporting Violations : 1. Re-Aging of Account : Reporting a Date Opened of XX/XX/year>, which falsely resets the age of the debt. 


2. False Charge-Off Reporting : Listing Original Charge Off = {$0.00}, which is inaccurate.

3. Balance Inflation : Current balance ( {$2000.00} ) exceeds reported high balance ( {$1800.00} ), suggesting unlawful interest/fees. 


4. Misleading Pay Status : Reporting the account as In Collection with an active pay status, rather than closed.

5. Failure to Properly Investigate : Repeatedly marking the account verified without providing proper supporting documentation from the original creditor. 



Requested Action : Immediate permanent deletion of this Portfolio Recovery Associates tradeline from all of my credit reports due to repeated violations of the FCRA, FDCPA, and XXXX XXXX standards. 

A directive to Portfolio Recovery Associates to cease misrepresenting statements as validation. 

A supervisory review of my prior complaints to ensure they are escalated and properly investigated. 

Confirmation that this account will not be reinserted or re-reported to my credit file under any circumstances in the future. 


The repeated cycle of simply closing my disputes as verified while Portfolio Recovery sends only billing statements is unacceptable. This is not compliance with federal law, and it continues to harm my creditworthiness. 

I respectfully request that this matter be escalated, fully investigated, and resolved with the permanent deletion of this unlawful account. 

Thank you for your urgent attention. 

Sincerely,XX/XX/1515

Company response to consumer: Closed with non-monetary relief