Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wednesday, XX/XX/XXXX at XXXX XXXX  PST Subject : [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XXXX XXXX ( Last XXXX ) : XXXX- [ XXXX ] Date : [ XX/XX/XXXX ] To : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : FORMAL NOTICE OF DISPUTE AND DEMAND FOR INVESTIGATION & PERMANENT REMOVAL OF UNVERIFIABLE, INACCURATE, OR INCOMPLETE ITEMS Dear XXXX  Dispute Department, I am formally disputing the accuracy, completeness, and verifiability of several items currently appearing on my XXXX  consumer credit report dated XX/XX/XXXX. This letter serves as a legal complaint and demand for reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Pursuant to federal law, you are required to investigate and verify all disputed information within 30 days. If verification can not be fully substantiated by original documentation from the original creditor, the items must be deleted permanently from my credit file. Merely repeating information from a prior source or vendor does not satisfy your statutory obligation of reasonable investigation under FCRA 1681i ( a ) ( 1 ) ( A ). 

Items in Dispute PORTFOLIO RECOVERY ASSOCIATES Account # XXXX Original creditor : XXXX XXXX XXXX  XXXX, XXXX. 

Issue : This account shows a collection balance of {$4600.00}. There is no verifiable contract, signature, or original documentation proving this debt is mine or legally collectible. The notation Completed investigation of FCRA dispute consumer disagrees shows this account remains unverified and in dispute, yet it continues to report a direct violation of FCRA 611 ( a ) ( 5 ) ( A ) and FDCPA 807 ( 8 ). 

Action required : Delete this account permanently for failure to verify. 

XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX XXXX Issue : This is a debt buyer account reporting {$1400.00} in collections. Debt buyers must produce full chain-of-title documentation and original account-level evidence to verify ownership and accuracy. None is shown on record. The account is marked Information disputed by consumer, satisfying FCRA requirements but remains unsubstantiated. 

Action required : Remove this unverifiable collection per FCRA 1681i ( a ) and FDCPA 809 ( b ). 

XXXX XXXX Account # XXXX Status : Charged off ; {$1100.00} written off ; {$330.00} past due. 

Issue : The report lists this account as Closed/Charged off as of XX/XX/XXXX, yet the opening date is XX/XX/XXXX, indicating conflicting and incomplete data within a 12-month window which violates FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ). The charge-off date and balance reporting appear inconsistent and must be verified by the original creditor. 

Action required : Delete or correct this account immediately. 

Address Inconsistencies Multiple address variations ( XXXX, XXXX  ; XXXX XXXX, XXXX  ) and multiple misspellings of my name ( XXXX XXXX XXXX XXXX ). These are incorrect personal identifiers that should be removed under FCRA 605 ( b ) to prevent data commingling or mixed-file errors. 

Action required : Retain only my current verified address ( XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ) and my correct legal name, XXXX XXXX. 

Legal Notice and Demand In accordance with FCRA 611 ( a ) ( 1 ) ( A ), XXXX  must : Conduct a reasonable reinvestigation of each item listed above ; Provide the method of verification and the name, address, and telephone number of each furnisher that verified the information ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) ; and Permanently delete any item that can not be verified with original documentation ( FCRA 611 ( a ) ( 5 ) ( A ) ). 

If Experian fails to comply, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), and The XXXX  Attorney Generals Office. 

Furthermore, under FCRA 616 and 617, XXXX  may be held liable for statutory damages of up to {$1000.00} per violation, in addition to actual and punitive damages, plus attorneys fees, for willful or negligent noncompliance. 

Summary of Requested Actions : Permanently delete unverifiable collection accounts ( Portfolio Recovery Associates and XXXX XXXX XXXX  ). 

Remove or correct the inaccurate charge-off ( XXXX XXXX XXXX XXXX XXXX 

Correct/remove all inaccurate name and address records. 

Provide written confirmation of all deletions or corrections within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX ( Last XXXX ) : XXXX- [ XXXX ] Email : [ XXXX ] Phone : [ XXXX ]

Company response to consumer: Closed with explanation