Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Date : XX/XX/XXXX XXXX Dispute Department RE : Formal Procedural Request/ Method of Verification ( MOV ) Account : Portfolio Recovery Associates Account Number : XXXX ( as shown on report ) To Whom It May Concern, I am formally requesting a Method of Verification ( MOV ) regarding the Portfolio Recovery Associates ( PRA ) account recently updated on my credit report. The information being reported is factually incorrect. I never opened any account in XXXX with Portfolio Recovery Associates nor XXXX. Your report shows an " Open Date '' of XX/XX/XXXX, yet it also states the account will remain on record until XX/XX/XXXX. This is a clear instance of inaccurate reporting and illegal re-aging under the Fair Credit Reporting Act ( FCRA ). Furthermore, on XX/XX/XXXX, at XXXX XXXX, I spoke with a PRA representative who admitted on a recorded line that the company does not possess the first date of delinquency, an original contract, or the necessary documentation to substantiate this debt. Despite this admission, PRA verified this fabricated XXXX data to XXXX as recently as XX/XX/XXXX. Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), I demand : 1. The specific method used to verify a XXXX " Open Date '' for this account. XXXX. The name and business address of the individual at PRA who claimed to verify this data. XXXX. Physical proof of the Date of First Delinquency ( DOFD ) used to calculate the XXXX removal date. If XXXX can not provide this specific human contact and the proof of the original contract and correct dates, this item must be deleted immediately. Sincerely, Email sent to PRA for reference ; this email was sent to them on XX/XX/XXXX : To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information your company is currently furnishing regarding the above-referenced account. During a recent telephone communication with your office, I was informed that your company does not possess sufficient documentation or account-level information to substantiate this alleged debt and that I would need to contact a separate third party. Despite this representation, your company continues to furnish information concerning this account to consumer reporting agencies, including a recent update on or about XX/XX/XXXX. This inconsistency calls into question both the accuracy of the information being reported and your authority to furnish such information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information it knows or has reasonable cause to believe is inaccurate. Further, under 15 U.S.C. 1681s-2 ( b ), upon notice of dispute, a furnisher is required to conduct a reasonable investigation and report only verified and accurate information. In addition, under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), you are required to provide validation of the alleged debt upon dispute. At this time, you have failed to provide documentation sufficient to validate the account. You have further indicated that you do not possess the necessary records and have referred the matter to another entity. Under these circumstances, continued reporting of this account constitutes the furnishing of incomplete or unverifiable information. Accordingly, I request that you provide the following : 1. Documentation establishing your legal authority to collect and report this account 2. Complete chain of assignment or ownership 3. Account-level records sufficient to substantiate the alleged debt 4. The date of first delinquency as required for compliance with federal reporting standards 5. Written clarification as to whether your company currently owns this account or has transferred or assigned it to another entity If you are unable to provide the above documentation, you are hereby directed to immediately cease furnishing information regarding this account and to request deletion of the tradeline from all consumer reporting agencies to which it has been reported. If this matter is not resolved within fifteen ( 15 ) days of receipt of this notice, I will pursue all available remedies. This includes filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and applicable state regulatory agencies. I also reserve the right to initiate legal action under the Fair Credit Reporting Act, 15 U.S.C. 1681n and 1681o, and the Fair Debt Collection Practices Act, 15 U.S.C. 1692k, including claims for statutory damages, actual damages, costs, and attorneys fees. This correspondence is a formal dispute of the account. I request that all future communications regarding this matter be in writing at my email address listed above and by standard mail to my address of record. Sincerely,

Company response to consumer: Closed with non-monetary relief