Consumer complaint received 2026-01-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To Whom It May Concern : I am submitting this formal complaint to report ongoing and repeated violations of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by XXXX or more consumer reporting agencies, XXXX XXXXXXXX, and/or original creditors that are furnishing and reporting inaccurate, unverified, and misleading information on my consumer credit reports. 

Examples of violation : The debt was sold, assigned, or charged off, yet multiple parties claim ownership The collector falsely implies it has the right to collect a debt it does not own A collector claiming authority without proof of assignment The collector falsely implies it has the right to collect a debt it does not own XXXX parties demanding payment for the same balance Basis of Complaint 15 U.S.C. 1681i ( a ) ( 7 ) ( FCRA 611 ( a ) ( 7 ) Failure to provide a proper method of verification following re investigation, including the name, address, and telephone number of the furnisher of information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of information reported.

15 U.S.C. 1681s-2 ( a ) and ( b ) Furnished continued reporting inaccurate information and failed to conduct reasonable investigations after disputes.

15 U.S.C. 1681c Reporting inaccurate or unverifiable negative information without lawful basis.

Harm caused Damage to credit reputation, denial of credit opportunities, and emotional and financial hardship.

Demand for Procedural Disclosure Pursuant to 15 U.S.C. 611 ( a ) ( 7 ), and ( 15 U.S.C. 1681 ), I am requesting that Credit Reporting Agencies provide a complete and detailed description of the method of verification, including but not limited to : 1.The name, address, and telephone number of each person or entity credit bureaus contacted during verification 2. Whether verification was conducted via automated systems ( eOSCAR ) or manual review 3. A description of each step taken to verify the accuracy of the account 4. Identification of each document reviewed, including whether original source documents or whether original source documents were examined 5. An explanation of how credit bureaus are verified : A. Account ownership B. Date of delinquency C. Payment history D. Account balance E. Charge-off status 6. Confirmation of whether verification was based solely on furnished attestation, or on independent documentary evidence Section 609 Request Source Documentation Additionally, under 15 U.S.C. 609 ( a ) ( 1 ), I am requesting disclosure of all information in my file, including : - The original contract, application, or signed agreement bearing my signature - Any original account-level documentation used to substantiate reporting - Proof of permissible purpose for reporting this data Requested Relief 1. Formal investigation into the reported violations 2. Immediate deletion or correction of unverifiable information 3. Enforcement of compliance with the FCRA I certify this information is true and correct to the best of my knowledge. 

Accounts in Dispute : XXXX. XXXX XXXX : Account # XXXX -REASON : XXXX XXXX XXXX not have any knowledge of this account on file, but they are reporting this account, XXXX XXXX XXXX XXXX which is not license in the state of Georgia XXXX collection on this debt that XXXX XXXX XXXX reporting. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Account # XXXX -REASON : XXXX XXXX XXXX  XXXX XXXX XXXX not have any knowledge of this debt on file, but they are reporting this account, Portfolio Recovery Associates LLC XXXX collecting on this debt that XXXX XXXX Bank XXXX XXXX reporting. 

XXXX. XXXX : Account # XXXX -REASON : According to XXXX this account has a {$0.00} XXXX. 

XXXX. XXXXXXXX XXXX XXXX XXXX  Account # XXXX - REASON : This account is paid in full Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief