Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$400.00}, originally owed to XXXX XXXX XXXX, Account XXXX. XXXX, on my consumer credit reports with XXXX XXXX XXXX XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has [ FAILED TO RESPOND/ FAILED TO VALIDATE/ CONTINUED REPORTING / CONTINUED CALLING VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. VIOLATION 2 REPORTING TIME-BARRED / OBSOLETE DEBT ( FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ) : The alleged debt referenced above is past the applicable statute of limitations and/or the 7-year credit reporting period established under federal law. Continuing to report and collect on a time-barred debt without proper disclosure constitutes a deceptive practice in violation of FDCPA 15 U.S.C. 1692e. VIOLATION 3 FAILURE TO VALIDATE DEBT ( FDCPA 15 U.S.C. 1692g ) : This company failed to provide legally sufficient validation of this alleged debt. A collection notice, computerized record, or basic account summary does not meet the legal standard for validation. The company has not produced the original signed agreement, a complete payment history, or proof of legal authority to collect in my state. VIOLATION 4 CONTINUED COLLECTION ACTIVITY AFTER WRITTEN DISPUTE ( FDCPA 15 U.S.C. 1692c ( c ) ) : continued reporting, calling, sending letters, etc. ], in direct violation of FDCPA 15 U.S.C. 1692c ( c ), which requires a debt collector to cease communication upon written request. This unlawful collection and reporting activity has caused me significant harm including : credit score damage, denial of loan/housing/job, higher interest rates, emotional distress, financial hardship. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and supporting documentation. All records have been preserved for potential civil litigation. DESIRED RESOLUTION I am requesting : ( 1 ) Immediate deletion of this account from Experian, Equifax, and TransUnion ; ( 2 ) Written confirmation of deletion sent to my mailing address within 4 days ; ( 3 ) Written confirmation that all collection activity has permanently ceased ; ( 4 ) A refund of any amounts collected in violation of the FDCPA or FCRA ( if applicable ) ; ( 5 ) Formal enforcement action against Portfolio Recovery for willful violations of

Company response to consumer: Closed with non-monetary relief