Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
False and Misleading Statements by Portfolio Recovery Associates to the CFPB Violations of FDCPA 1692e ( 10 ) and FCRA 1681s-2 ( b ) ; Request for Enforcement Review and Permanent Deletion of Disputed Tradeline This submission is a follow-up complaint referencing my prior CFPB Case # XXXX involving Portfolio Recovery Associates , LLC. That case was closed after PRAs response ; however, I have obtained and reviewed PRAs own attached document ( XXXX, dated XX/XX/year>XXXX XXXX ), which directly contradicts the statements they made to the Bureau in that earlier case. This new evidence establishes that PRA provided false and misleading information in their previous response and failed to accurately represent the existence of my prior dispute.

Portfolio Recovery Associates , LLC ( PRA ) submitted false and misleading information in their previous CFPB case response regarding a XXXX XXXX account XXXX in XXXX. In that prior response, PRA claimed they had no record of a request or dispute associated with this account. However, PRAs own documentation ( file XXXX, dated XX/XX/year> ) begins with the statement : In response to your dispute related to the above account This language explicitly confirms that PRA had previously received and responded to my dispute in 2023, directly contradicting their sworn statement to the CFPB.

This misrepresentation constitutes a violation of 15 U.S.C. 1692e ( 10 ) ( use of false or deceptive representations in connection with debt collection ) and 15 U.S.C. 1681s-2 ( b ) ( failure to conduct a reasonable investigation and maintain accurate information when furnishing data to consumer reporting agencies ). Additionally, the limited materials provided by PRA fail to meet the legal validation requirements under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, as the documentation consists solely of billing statements and a notice of sale from XXXX XXXX. No signed credit agreement, complete payment history, or chain-of-title documentation was produced to substantiate ownership or the accuracy of the alleged balance. 
PRAs continued furnishing of disputed information to the consumer reporting agencies constitutes an ongoing violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires furnishers to clearly report an account as disputed by consumer. Their failure to correct or delete this information after multiple disputes represents a willful and negligent disregard of their statutory duties under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
I respectfully request that the CFPB reopen this matter for enforcement review, compel PRA to provide lawful verification and substantiation of the alleged debt, and, in the absence of such proof, order the permanent deletion of this tradeline from all consumer reporting agencies. PRAs submission of materially false statements to a federal regulator warrants further investigation and possible enforcement action.

Additional context : The documentation provided by PRA identifies the consumer as XXXX XXXX, which is not my full legal name. This discrepancy raises substantial doubt about the integrity of PRAs data-matching and reporting procedures. It further supports my position that PRA failed to reasonably verify the identity or ownership of the alleged account prior to furnishing information to the credit bureaus, constituting a violation of 15 U.S.C. 1681e ( b ) ( requirement to assure maximum possible accuracy of information reported ). 

I am prepared to provide supporting evidence, including PRAs own letter and accompanying documentation ( XXXX, dated XX/XX/year> * ), which substantiate the misrepresentations and procedural violations described above. This evidence clearly demonstrates that PRA furnished false information to the Bureau and failed to lawfully validate or verify the alleged debt under federal law.

Company response to consumer: Closed with non-monetary relief