Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unrecognized Debt Portfolio Recovery Associates, Balance {$1300.00}, Opened XX/XX/year>, Reported Only on XXXX Dear Sir or Madam, I am formally disputing the Portfolio Recovery Associates ( PRA ) account which is reported on my XXXX credit report as opened on XX/XX/year>, with a balance of {$1300.00}. I do not recognize this account, and its presence solely on XXXX but not on XXXX or XXXX constitutes an FCRA violation and calls into question the accuracy and legitimacy of the reporting. 

Legal Violations and Grounds for Immediate Removal 1. FCRA Violation Failure to Report Accurate Information ( 15 U.S. Code 1681e ( b ) ) Under 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of reported information. 
This accounts presence only on XXXX but not on other bureaus indicates inconsistent and inaccurate reporting, which is a clear violation of this law. 
XXXX. FCRA Violation Failure to Conduct Proper Investigation ( 15 U.S. Code 1681i ) 15 U.S. Code 1681i ( a ) requires credit reporting agencies to investigate and correct any disputed accounts. 
Since this account appears only on XXXX and is not found on XXXX or XXXX, this inconsistency proves the information is inaccurate and unverifiable, requiring immediate deletion. 
XXXX. FDCPA Violation Failure to Provide Proper Debt Validation ( 15 U.S. Code 1692g ) 15 U.S. Code 1692g states that debt collectors must validate a debt upon consumer request. 
Portfolio Recovery Associates has failed to provide any signed agreements or proof that I legitimately owe this debt. Without verifiable documentation, this debt must be removed immediately. 
XXXX. FDCPA Violation Misrepresentation of Debt ( 15 U.S. Code 1692e ) According to 15 U.S. Code 1692e, debt collectors can not misrepresent the amount or status of a debt. 
Because this account is not recognized and lacks supporting documentation, Portfolio Recovery Associates is in violation of federal law, and the account must be removed. 
XXXX. FCRA Violation Failure to Provide Consistent Reporting Across Bureaus The fact that this debt only appears on XXXX but not on XXXX or XXXX is a clear inconsistency, suggesting incorrect reporting in violation of 15 U.S. Code 1681s-2 ( b ), which governs the responsibilities of information furnishers. 

Demand for Immediate Removal I demand that Portfolio Recovery Associates and XXXX take the following actions : XXXX. Immediately delete this account from my credit report. 
XXXX. Provide written confirmation within 30 days stating that this account has been removed. 
XXXX. Cease all collection activity on this disputed debt unless valid documentation is provided. 

Failure to Act If this dispute is not resolved immediately, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action for damages caused by this inaccurate reporting. 
Seek all available remedies under the FCRA and FDCPA. 

Request for Investigation and Resolution I request that the CFPB immediately investigate this issue and ensure that Portfolio Recovery Associates and XXXX remove this fraudulent entry from my credit report. I expect a written response confirming the removal within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief