Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( and the furnisher, Portfolio Recovery Associates , LLC ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681i ( failure to conduct a reasonable reinvestigation and delete inaccurate, incomplete, or unverifiable information ) and 1681s-2 ( b ) ( furnisher 's failure to conduct a reasonable investigation of a dispute and provide verification or correct inaccurate reporting ). Portfolio Recovery Associates has a history of CFPB enforcement for similar issues, including collecting on unsubstantiated debts and failing to properly investigate consumer disputes about credit reporting. The disputed item is a collection account reported as follows : Account Name : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$5900.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$5900.00} ( updated XX/XX/XXXX ) Original Balance : {$6000.00} Terms : 1 Month On Record Until : XX/XX/XXXX This entry is inaccurate, incomplete, and unverifiable because this debt does not belong to meI have never had any account, obligation, or relationship with the original creditor whose debt Portfolio Recovery Associates claims to have purchased. As a debt buyer, Portfolio Recovery Associates must substantiate ownership through proper chain of title and documentation, but no such proof exists in this case. On XX/XX/XXXX, I submitted a formal written dispute to XXXX via certified mail, clearly identifying this Portfolio Recovery Associates collection as inaccurate and not mine. I requested a full reinvestigation and explicitly demanded that XXXX provide : Documentation proving the debt is mine, including the original signed contract or agreement with my signature from the original creditor. The full chain of title/assignment ( s ) from the original creditor to Portfolio Recovery Associates . An itemized accounting of the debt from inception, including all payments, fees, and charges. Any other evidence or verification method confirming the accuracy and my liability for this debt. If the information could not be verified, XXXX is required under FCRA 1681i ( a ) ( 5 ) to delete it. XXXX 's response claimed the information was " verified '' as accurate but provided no supporting documentation whatsoeverno original creditor details, no chain of assignment, no signed contract, no itemized history, and no description of the verification method or communications with the furnisher. This fails to meet the reasonable reinvestigation standard under FCRA and ignores Portfolio Recovery Associates ' obligations under 1681s-2 ( b ) to reasonably investigate and substantiate disputed information. Portfolio Recovery Associates, as a debt buyer, has repeatedly been cited by the CFPB ( e.g., in 2023 enforcement actions ) for practices including representing unsubstantiated debts, collecting without required documentation, and failing to properly investigate credit reporting disputesissues directly relevant here. This account does not appear on my credit reports from the other major bureaus ( XXXX and/or XXXX ) XXXX strongly indicating it is inaccurate or unverifiable. Legitimate debts should report consistently if properly documented. The ongoing reporting of this unverified {$5900.00} collection is harming my credit profile and violates FCRA 's requirements for maximum possible accuracy ( 1681e ( b ) ) and deletion of unverifiable disputed items. I request that the CFPB forward this complaint to XXXX and Portfolio Recovery Associates and require them to : Immediately delete the disputed Portfolio Recovery Associates collection account ( account # XXXX ) from my credit report, as it remains unverifiable and unproven to be mine. Provide me with the complete reinvestigation results, including all documentation reviewed, verification methods used, correspondence with the furnisher, and any evidence substantiating the debt ( which was not supplied previously ). Confirm in writing that the item has been permanently deleted and will not be reinserted without proper notice and certification under FCRA 1681i ( a ) ( 5 ) ( B ). Ensure no further inaccurate or unsubstantiated reporting of this item.

Company response to consumer: Closed with non-monetary relief