Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
Companies Involved Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Portfolio Recovery Associates failed to validate a time-barred debt and all three credit bureaus continue reporting inconsistent, inaccurate, and misleading information. 



Summary of the Issue : I am disputing the accuracy and legality of an alleged collection account reported by Portfolio Recovery Associates , LLC ( XXXX ), which claims ownership of a XXXX XXXX Bank XXXX, XXXX. account ending in XXXX, with a reported balance of {$460.00}. 

Despite multiple validation and method-of-verification requests, Portfolio Recovery Associates failed to provide legal proof that it owns or has the right to collect or report this debt. Meanwhile, XXXX, XXXX, and XXXX  have all reported different and conflicting information for this same account, in violation of the Fair Credit Reporting Act ( FCRA ). 



Timeline of Events : XX/XX/XXXX : I sent Portfolio Recovery a certified Debt Validation Letter requesting proof of ownership, chain of title, and a full accounting of the alleged debt. 
XX/XX/XXXX : I mailed a XXXX of XXXX request asking for details on how the account was verified during their investigation. 
XX/XX/XXXX : Portfolio Recovery responded with only a summary letter and XXXX XXXX XXXX billing statements from XXXX. 
They admitted : Because of the age of your debt, we will not sue you for it. 
They also added an outdated XXXX XXXX sale notice from XX/XX/XXXX, which is not a bill of sale, assignment, or legal validation. 
No signed agreement, no purchase file, and no chain of title were provided. 
XX/XX/XXXX : All three credit bureaus continue reporting this same unvalidated account, but each bureaus data is different and contradictory. 



Details of Inaccurate Reporting XXXX. XXXX  Lists the account as Closed but still XXXX XXXX {$460.00}. 
Reports Consumer Disputes After Resolution ( code XXXX ) even though validation was never provided. 
Date of First Delinquency : XX/XX/XXXX ( expired under XXXX XXXX XXXX statute of limitations ). 
Continues to show C for collection status every month from XXXX. 

Violations : FCRA XXXX ( b ) : Failure to maintain maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing information known to be inaccurate. 
FCRA XXXX ( a ) : Failure to conduct reasonable reinvestigation. 



XXXX. XXXX  Reports the account as Active XXXX Account {$460.00} past due. 
Displays continuous red C marks through XXXX and lists Consumer Disagrees after dispute. 
Does not list the correct Date of First Delinquency. 
Fails to reflect time-barred or non-collectible status. 

Violations : FCRA XXXX ( b ) : Failure to ensure data consistency and completeness. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing incomplete and misleading data. 
FDCPA XXXX ( XXXX ) ( A ) : Misrepresenting the legal status of a debt as collectible. 



XXXX. TransUnion Combines XXXX  XXXX ( original creditor ) and Portfolio Recovery ( collector ) information in XXXX line, making it appear as if XXXX  XXXX is still collecting. 
Reports Dispute resolved consumer disagrees, with CO ( collection ) marks for XXXX. 
Omits the Date of First Delinquency entirely. 
Lists Portfolio as the collector but shows XXXX XXXX as creditor, creating a false ownership chain. 

Violations : FCRA XXXX ( b ) : Inaccurate and inconsistent reporting. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing false data after dispute notice. 
FCRA XXXX ( a ) : Failure to properly reinvestigate. 



Portfolio Recovery Associates Violations FDCPA XXXX ( b ) : Failed to validate debt with documentation showing ownership or right to collect. 
FDCPA XXXX ( XXXX ) ( A ) : Misrepresented the legal status of the debt as collectible. 
FDCPA XXXX ( XXXX ) : Engaged in deceptive representation by continuing to furnish data after admitting the debt is too old to sue on. 
CFPB Regulation F XXXX ( b ) ( XXXX ) : Misleading implication of enforceability of time-barred debt. 



Statute of Limitations ( South Carolina ) The Date of First Delinquency on all reports is XX/XX/XXXX. 
Under S.C. Code XXXX, the statute of limitations for credit card debt is 3 years, which expired XX/XX/XXXX. 
Portfolio Recovery confirmed in writing they will not sue due to age of debt, yet continues to report it as collectible. 
I have more proof of information to upload if needed.

Company response to consumer: Closed with explanation