Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Re : Formal Complaint & Dispute of Inaccurate Credit Reporting Portfolio Recovery Associates To Whom It May Concern, I am submitting this complaint to dispute and request immediate investigation of inaccurate, incomplete, and unlawful reporting by Portfolio Recovery Associates and its related furnishers. The following accounts are being reported derogatorily in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and U.S. Code. 



Negative Items Reported XXXX XXXX  / Portfolio Recovery Account No. : XXXX Reported Balances : {$4800.00} and {$4400.00} ( inconsistent ) Reported Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Derogatory XXXX / Portfolio Recovery Account No. : XXXX Reported Balances : {$3200.00} and {$2900.00} ( inconsistent ) Reported Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Derogatory / Account Disputed Violations Identified Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) Failure to assure maximum possible accuracy. Both accounts report conflicting balances and dates, creating misleading and inaccurate information.

15 U.S.C. 1681i ( FCRA 611 ) Failure to reasonably investigate previously disputed accounts. One account is even marked as Account Disputed yet remains derogatory without resolution.

15 U.S.C. 1681g ( FCRA 609 ( a ) ) Failure to provide complete verification of the alleged debts.

15 U.S.C. 1681b ( a ) ( 2 ) Lack of permissible purpose for continued reporting after consumer dispute.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers knowingly reported inaccurate information to the credit bureaus. 
FCRA 623 ( a ) ( 5 ) Illegal re-aging of debts by updating with conflicting dates ( 2023, 2024, 2025 ) to extend derogatory impact.

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e ( FDCPA 807 ) False and misleading representation of debt amounts ( {$4800.00} vs. {$4400.00} and {$3200.00} vs. {$2900.00} ).

15 U.S.C. 1692g ( FDCPA 809 ) Failure to provide debt validation upon request.

15 U.S.C. 1692c Continued reporting and collection activity after dispute constitutes improper communication and harassment.

Requested Relief Immediate Deletion of both accounts from all consumer reporting agencies ( XXXX, XXXX, XXXX  ). 
Monetary Compensation of {$1000.00} per violation under FCRA ( 15 U.S.C. 1681n, 1681o ) and FDCPA ( 15 U.S.C. 1692k ).

With at least 14 documented violations across these accounts, I am seeking {$14000.00} in statutory damages. 

Written confirmation that both tradelines have been deleted and corrective action has been taken. 

Conclusion Portfolio Recovery and its furnishers are reporting inaccurate, re-aged, and misleading data that materially damages my creditworthiness. This is a clear violation of consumer protection laws. 

I demand deletion of these accounts and financial restitution as outlined above. Please investigate and take immediate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation