Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
Re : Formal Dispute, Verification Request, and Demand for Deletion XXXXXXXX XXXX Account To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legality of the account reporting to XXXX XXXX XXXX XXXX under your name for the original creditor XXXX XXXX. The account contains numerous discrepancies across all three credit reporting agencies, which demonstrate that it can not be verified as accurate, and is in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), XXXX XXXX reporting standards, and XXXX verification requirements. 









XXXX. Reporting Discrepancies Across XXXX : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( completely different format ) Account Types : XXXX XXXX  Debt Buyer XXXX : Open XXXX XXXX XXXXpen Status and Payment History : XXXX  : Collection account, balance past due as of XX/XX/scrub> XXXX XXXX XXXX No data, payment history reports collection from XX/XX/year> to XX/XX/year>XXXX XXXX  : No data, comments state Place for Collection, no payment history Balance Update Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX, phone XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX phone XXXX These discrepancies constitute XXXX XXXX non-compliance, as reporting codes, account types, statuses, balances, and contact information are inconsistent and can not be verified accurately. The differences also reflect failures in XXXX coding, which is intended to facilitate proper automated dispute processing. 









2. FCRA Violations : FCRA 1681s-2 ( b ) : Furnishers must report accurate and complete information to all CRAs. Reporting conflicting account numbers, account types, status updates, balances, and contact information violates this requirement. 
FCRA 1681i ( a ) : CRAs must investigate disputes and ensure accurate reporting. The inconsistencies suggest that the account can not be verified and must be deleted. 
FCRA 1681c-2 : Reporting unverifiable information harms consumers credit files and constitutes a failure to follow legally required procedures.

3. FDCPA Violations : FDCPA 807 ( 8 ) : Misrepresenting the status, account type, and balance of a debt is a false and misleading representation.

FDCPA 809 ( b ) : Failure to provide proper verification when disputed is a violation of the consumers right to dispute and verify a debt. 
Inaccurate contact information across all CRAs constitutes deceptive and unfair practices.

4. Verification Demands ( Excluding Billing Statements ) : Under FCRA 611 ( a ) ( 1 ) and 1681s-2 ( b ), I demand proper verification of this account. Billing statements are not acceptable as verification. I require : Contract with a wet signature showing my legal responsibility. 
Proof of assignment/transfer from XXXX XXXX to Portfolio Recovery Association . 
Documentation proving Portfolio Recovery Association owns the account.

Portfolio Recovery Association collection license in Illinois, including the license number and proof of legal authority to collect. 
Any other documentation legally required to validate this debt. 




If proper verification can not be provided, I am demanding an immediate cease and desist of all collection activity and deletion of this account from all credit reporting agencies. 









5. Legal Considerations : Due to the numerous FCRA, FDCPA, XXXX XXXX, and XXXX violations, I am prepared to pursue legal remedies, including attorney fees and damages. Failure to correct or delete this account will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate state regulatory authorities. 



Please provide a written response confirming the requested verification, or the deletion of this account from XXXX XXXX XXXX XXXX within the legally required timeframe. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief