Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Email : XXXX Company Information : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Detailed Complaint History of Fraudulent Account and Failed Validation I am filing this complaint regarding Portfolio Recovery Associates , LLC ( PRA ) for ongoing violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act spanning approximately four years. PRA continues to report a fraudulent debt under my name despite : My initial dispute in XX/XX/XXXX, where I requested validation of a debt I had no knowledge of Follow-up certified correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX New dispute letter sent XX/XX/XXXX Most recent validation request sent by certified mail on XX/XX/XXXX Deceptive Practices and Stalling Tactics PRA has engaged in a deliberate pattern of stalling and avoidance : In XXXX, they claimed to be " investigating '' but never provided any documentation After my XX/XX/XXXX dispute, they responded claiming they " could not locate my account information '' yet continued credit reporting After my XX/XX/XXXX communication, they acknowledged receipt but merely stated they were " looking into it '' without taking any substantive action Their representative contacted me by phone on XX/XX/XXXX, claiming they " needed more information '' to investigate, despite having all necessary details from multiple previous communications When pressed for documentation during this call, the representative admitted they " don't have original documentation '' but insisted I still owed the debt Legal Violations PRA 's actions constitute willful violations of : FDCPA 1692g ( b ) - Continuing collection activities despite failing to verify the debt after multiple disputes since XXXX FDCPA 1692e - Making false representations about the character and legal status of the debt FDCPA 1692d - Engaging in harassing behavior by repeatedly pursuing an unvalidated debt FCRA 1681s-2 ( b ) - Failing to conduct reasonable investigation of disputed information FCRA 1681b - Accessing consumer report without permissible purpose California Civil Code 1788.17 - Violations of California 's XXXX Fair Debt Collection Practices Act Documented Evidence I have compiled the following evidence : Certified mail receipts for all correspondence since XXXX Credit reports from XXXX showing continuous reporting despite disputes Legally recorded phone conversation from XX/XX/XXXX where PRA representative requested my Social Security Number without proper identification Recorded call from XX/XX/XXXX where representative admitted lack of documentation Denial letters from business lenders citing the fraudulent PRA account Business financial records showing increased interest costs due to credit damage Damages Incurred This unlawful activity has caused substantial harm : Denied business financing for XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX {$50000.00} line of credit ) Increased interest rates of 3.5 % on existing business credit since XXXX Quantifiable losses of approximately {$37000.00} in higher financing costs and lost business opportunities Operational disruptions affecting vendor relationships and contractual obligations Significant time spent attempting to resolve ( approximately XXXX hours since XXXX ) Requested Resolution I request the CFPB to : Direct PRA to immediately cease all collection activities Require PRA to provide validation of the debt or remove all credit reporting Impose appropriate penalties for PRA 's willful and knowing violations spanning multiple years Monitor PRA for similar patterns of behavior affecting other consumers Assist in obtaining appropriate compensation for damages incurred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation