Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt that is not mine, failing to validate the alleged account despite three certified dispute letters, reporting inaccurate information to credit bureaus, and failing to follow both the FDCPA and FCRA. 

Timeline of Disputes XX/XX/year> Sent first certified Notice of Dispute requesting validation, including : original signed contract, chain of title/assignment, forward flow agreement, proof of PRAs right to collect, itemized accounting, and call/communication logs. 

XX/XX/year> XXXX responded with a generic letter that did not include any of the requested documentation. 

XX/XX/year> Sent second dispute letter, again demanding validation and correcting my legal name to XXXX XXXX XXXX, XXXX. 

XX/XX/year> XXXX replied but again failed to provide validation. 

XX/XX/year> Sent third dispute letter reiterating all requests. 

XX/XX/year> PRA responded a third time, still failing to provide validation.

PRAs Reporting Violations My XXXX credit report ( XX/XX/year> ) shows the PRA tradeline with the notation Account information disputed by consumer, status Placed for collections. While XXXX flagged it as disputed, this does not resolve the violations because PRA continued reporting without providing validation, failed to correct my legal name, and did not conduct a reasonable investigation. Simply marking an account as disputed does not meet FDCPA or FCRA requirements. 

My XXXX report ( XX/XX/year> ) also shows PRA reporting the account as Placed for collections and Account information disputed by consumer. This confirms PRA continued credit reporting across multiple bureaus during the dispute period. A copy is available upon request.

PRA continues to use the incorrect name XXXX XXXX in all reporting and correspondence, despite being notified multiple times of my correct legal name, XXXX XXXX XXXX, XXXX. 

Evidence Attached are : My three dispute letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> ), PRAs three insufficient responses ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> ), and My XXXX credit report dated XX/XX/year>, showing PRA reporting under the wrong name and status Placed for collections despite disputes. 
( My XXXX report from XX/XX/year> is also available upon request. ) Legal Violations FDCPA ( 15 USC 1692g ) PRA continued collection activity without validating the debt.

FCRA ( 15 USC 1681s-2 ) PRA failed to conduct a reasonable investigation, reported inaccurate information, and continued to report during disputes.

Note on Attachments : Due to upload limits, I was only able to attach my three certified dispute letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> ), and two of PRAs responses ( XX/XX/XXXX and XX/XX/year> ). PRAs third reply ( XX/XX/year> ), my TransUnion credit report ( XX/XX/year> ), and a copy of my Hawaii Drivers License for verification are available upon request.

Company response to consumer: Closed with explanation