Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Complaint Against : Portfolio Recovery Associates ( primary furnisher ) XXXX, XXXX, XXXX  ( credit reporting agencies ) Issue : False verification, continued reporting of inaccurate data, illegal re-aging, and failure to conduct a reasonable investigation under FCRA and FDCPA. 


-- - NEW CFPB COMPLAINT Summary of Violations I am filing a new complaint because Portfolio Recovery Associates ( PRA ) and the credit reporting agencies have continued to report false, misleading, and legally impermissible informationdespite a previous CFPB complaint and despite being provided clear proof of inaccuracies.

PRA has now re-verified information that is impossible, contradictory, and mathematically incorrect, violating : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) Duty to conduct a reasonable investigation FCRA 605 ( c ) Illegal re-aging FDCPA 807 ( 2 ) ( A ) False representation of amount or character of a debt FDCPA 807 ( 10 ) Deceptive practices FDCPA 809 ( b ) Reporting without proper verification -- - Details of Ongoing Violations 1. PRA continues reporting inflated and impossible balances One PRA account reports : Balance : {$2000.00} Highest balance : {$1800.00} A verified balance can not exceed the highest balance ever reported.

This is mathematically impossible and proves the data is unreliable.

-- - 2. PRA is illegally re-aging the debts PRA is reporting opened dates of : XX/XX/year> XX/XX/year> These debts originated with XXXX XXXX  years earlier, and PRA can not legally create new opened dates to extend their reporting period.

This violates FCRA 605 ( c ). 


-- - 3. PRA continues reporting a CLOSED account as still owing a balance XXXX XXXX notified me that one PRA account was closed between XXXX XXXX XXXX yet PRA still reports a balance of {$2500.00} and placed for collection.

Reporting a closed collection as still owed is deceptive and violates FDCPA 807.

-- - 4. PRAs dispute statuses contradict themselves Across bureaus I am simultaneously reported as : Dispute resolved consumer disagrees Disputed by consumer No dispute on another date Conflicting statuses violate FCRA accuracy standards.

-- - 5. Credit bureaus did not conduct reasonable investigations Each bureau claims the accounts belong to me despite : Impossible balances Conflicting statuses Illegal re-aging PRAs own contradictory entries A reasonable investigation is impossible when the data being verified contradicts itself.

This violates FCRA 611 ( a ).

-- - Requested Resolution Because these PRA accounts are : internally inconsistent mathematically impossible illegally re-aged reported with conflicting statuses unverifiable and misleading Correction is not acceptable.

Permanent deletion of all PRA accounts is the only lawful remedy.

If deletion is not made, I will escalate to : Federal Trade Commission ( FTC ) State Attorney General Consider a private right of action under FCRA and FDCPA.

Company response to consumer: Closed with explanation