Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Dear XXXX XXXX XXXX and Portfolio Recovery Associates, This letter serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for the inaccurate, inconsistent, and unlawful reporting of the alleged XXXX XXXX. account ( Account XXXX. XXXX ) furnished by Portfolio Recovery Associates. 



Reporting Inconsistencies XXXX Furnisher : Portfolio Recovery Associates XXXX XXXX XXXX. 
Date Opened : XX/XX/XXXX Status : Past Due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Alleged Balance : {$440.00} XXXX  Furnisher : Portfolio Recovery Associates XXXX XXXX XXXX. 
Date Opened : XX/XX/XXXX Status : Undisclosed Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Alleged Balance : {$440.00} XXXX Furnisher : Portfolio Recovery Associates XXXX XXXX XXXX. 
Date Opened : XX/XX/XXXX Status : Undisclosed Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Alleged Balance : {$440.00} Violations Each bureau reports conflicting or incomplete status, inconsistent update dates, and inaccurate account information, violating the following : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information. 
15 U.S.C. 1681s-2 ( b ) : Furnishing inaccurate data after notice of dispute.

15 U.S.C. 1692e and 1692f : False, deceptive, and unfair collection practices by Portfolio Recovery Associates.

The data discrepancies among the three credit bureaus and the inconsistent timestamps indicate willful or negligent noncompliance, creating reputational harm and credit damage. 



Formal Demands XXXX. Provide full Automated Consumer Dispute Verification ( ACDV ) responses for this account from all three bureaus and Portfolio Recovery Associates. 
2. Immediately delete all inaccurate and inconsistent tradeline information.

3. Issue monetary compensation for statutory damages under the FCRA and FDCPA as detailed below.

Statutory Damages and Fee Allocation Entity | Violations | Statutory Authority | Amount Owed XXXX  | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} Portfolio Recovery Associates | FDCPA 1692e, 1692f | 2 | {$2000.00} Total Owed Immediately | {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within 10 business days.

Notice of Intent to Sue If full compliance, written confirmation, and payment of {$8000.00} are not received within 10 business days ( by XX/XX/XXXX ), I will initiate legal action in XXXX XXXX Court seeking : Statutory and actual damages, Attorneys fees and court costs, and Punitive damages for willful violations under 15 U.S.C. 1681n ( b ) and 1692k ( a ).

Company response to consumer: Closed with explanation