Consumer complaint received 2026-04-06 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: NJ

Complaint narrative:
I am writing to submit a formal complaint and demand removal of an outdated and improperly reported debt from my credit file. The account in question currently reported by Portfolio Recovery Associates is related to an alleged debt from 2015 that should no longer appear on my credit reports. XXXX. Key Facts The account dates back to 2015, which is more than XXXX years old. Under the federal Fair Credit Reporting Act ( FCRA ), most negative items ( like collections ) must be removed from consumer credit reports after XXXX years from the date of first delinquency. Once the reporting period expires, the debt must be deleted from all credit reporting agencies. Portfolio Recovery Associates has never provided me with a valid method of verification of this debt, despite my requests. Failure to provide verification is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have not authorized any continuing reporting, nor have I acknowledged this debt in writing. XXXX. Statute of Limitations in New Jersey XXXX. New Jersey Statute of Limitations XXXX ( XXXX ) Years Under New Jersey XXXX ( XXXX. XXXX ), the statute of limitations for most consumer debts ( including credit cards and other unsecured debts ) is XXXX ( XXXX ) years from the date of default ( when the first missed payment occurred ). After that time, a creditor or debt collector can not sue to collect that debt in court. If the last payment or default on this debt occurred in 2015, any right to obtain a court judgment is long expired. The statute of limitations does not automatically remove the debt from credit reports that is governed by the FCRA. XXXX. Violations Identified A. Failure to Provide Verification Portfolio Recovery Associates has failed to provide a method of verification of the alleged debt, despite my written requests, which violates FDCPA XXXX. B. Failure to Remove Expired Negative Information Continuing to report this collection account beyond the allowable reporting period violates the FCRA ( XXXX U.S.C. XXXX ). XXXX XXXX Credit Report Harm This inaccurate entry continues to harm my creditworthiness and financial opportunities. XXXX. Requested Relief Under the Fair Credit Reporting Act and applicable New Jersey XXXX, I demand the following : XXXX. Immediate deletion of the Portfolio Recovery Associates collection entry from all credit reports ( XXXX, XXXX, and XXXX ). XXXX. Written confirmation of deletion within 30 days. XXXX. Cease all collection efforts immediately. XXXX. Provision of a valid method of verification for this alleged debt. XXXX. If deletion is not performed, a detailed legal explanation for continued reporting, including documentation of the alleged debt. XXXX. Statutory damages under FDCPA for failure to provide verification and continued reporting, plus actual damages for stress and financial harm. XXXX. Legal Basis FDCPA XXXX Requires debt XXXX to provide verification of a debt upon request. Failure to do so constitutes a violation. FCRA ( XXXX U.S.C. XXXX ) Limits how long most negative information can appear on a credit report ( XXXX years ). Failure to remove expired accounts violates federal law. N.J.S.A. XXXX New Jersey statute of limitations for most consumer debts is 6 years ; the debt is time-barred for collection purposes. Conclusion : I expect this matter to be investigated promptly. If this outdated and unverifiable collection account is not removed within XXXX days, I will pursue further legal action under the FDCPA, FCRA, and applicable New Jersey XXXX, including claims for statutory and actual damages.

Company response to consumer: Closed with non-monetary relief