Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Subject : Add-On to Active CFPB Complaint Portfolio Recovery Associates Existing CFPB Case # : XXXX I am submitting this rebuttal to clarify additional violations that occurred after my initial complaint. 


This is an add-on to my active CFPB complaint against Portfolio Recovery Associates XXXX Portfolio ). I disputed and requested validation in writing, but Portfolio has continued furnishing the account to the credit bureaus, mailed me multiple generic letters, and then sent an untimely and incomplete packet months later. Their conduct shows a clear pattern of delay designed to keep the tradeline active without proper validation. 



Timeline of Events XX/XX/XXXX I mailed a written debt validation request. 
XX/XX/XXXX XXXX shows Portfolio received my dispute. 
XXXX mailed a generic one-page letter with no documentation. 
End of XX/XX/XXXX ( approx. XX/XX/XXXX ) Portfolio updated/furnished the tradeline on my credit report. This was a violation because they had already received my dispute and had not provided validation. 
XX/XX/XXXX Their XXXX window to validate expired with no proper validation received. 
XX/XX/XXXX I filed my CFPB complaint Case # XXXX XXXX Portfolio again updated/furnished the tradeline and mailed another generic letter with no documentation. This was a second violation : ( XXXX ) they were already past the XXXX window, and ( XXXX ) the CFPB complaint was active. 
XX/XX/XXXX Portfolio mailed a packet containing : XXXX old XXXX XXXX billing statement, partial transaction printouts, and a transfer notice. This was mailed more than XXXX months after my dispute and still lacked proper validation ( no original contract, no full payment history, no chain of title/bill of sale ). 
* XXXX Portfolio updated the account to collection as consumer disputes. 



Why This Violates XXXX XXXX XXXX. FDCPA 15 U.S.C. 1692g ( b ) A debt collector must cease collection activity ( including reporting ) until it provides validation after a timely written dispute. 
Portfolio furnished in XXXX and XXXX after receiving my dispute on XX/XX/XXXX, without validation. 
XXXX. FCRA 15 U.S.C. 1681s-XXXX ( a ) ( XXXX ) A furnisher may not report information without clearly marking the account as disputed. Which they did on XX/XX/XXXX Portfolio furnished in XXXX and XXXX during my active dispute without properly resolving or validating it. 
XXXX. FCRA 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) A furnisher must not report information it knows or has reason to believe is inaccurate or incomplete. Furnishing an unvalidated account and doing so repeatedly after the XXXX deadline is inaccurate and misleading. 



Pattern of Delay Portfolio has now mailed me XXXX separate letters : Portfolio mailed me documents outside the CFPB system on XX/XX/XXXX, but has not provided a formal response in the CFPB This shows a deliberate pattern of stalling and piecemeal responses designed to keep the tradeline active. Even if the XXXX documents were genuine, they remain insufficient under FDCPA and FCRA. 

The law does not allow a debt collector to stall or provide documents months later. Their 30 days expired on XX/XX/XXXX. There is no grace period under the FDCPA once that deadline passes, continued collection or reporting is unlawful. Any packet mailed on XX/XX/XXXX, nearly XXXX months later, can not cure the violation. If such records truly existed, they should have been provided within the XXXX  days. Producing them only after continued reporting raises serious concerns about their authenticity and further proves that Portfolio is dragging this out on purpose. 



Requested Relief I request that CFPB require Portfolio to : Immediately delete this tradeline from XXXX, XXXX, and XXXX. 
Provide written confirmation to me and CFPB that they have ceased all collection and reporting on this account and will not re-report. 
I also request written assurance that this account will not be sold, transferred, or reassigned to any other collection agency in the future.

Company response to consumer: Closed with explanation