Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CFPB FORMAL COMPLAINT & ESCALATION Consumer : XXXX XXXX XXXX XXXX : Portfolio Recovery Associates , LLC ( PRA ) Accounts at Issue : Multiple PRA accounts ( including XXXX XXXX XXXX tradelines ) This complaint concerns systemic misconduct by Portfolio Recovery Associates , LLC ( PRA ) involving simultaneous credit reporting, active litigation, false default representations, and contradictory investigative claims, all without competent documentary proof of ownership or accuracy. 

Contradictory Positions & Litigation Abuse PRA represents to the CFPB and credit bureaus that it is investigating disputed accounts and has agreed to cease communications, yet at the same time pursues default judgments in Justice Court, assertingfalselythat I failed to respond. Court records and PRAs own filings show this representation is untrue. PRA filed motions for default judgment while disputes were active, despite the docket reflecting ongoing participation and correspondence PRA while in dispute tells the. 

PRA relies on Justice Court leniency and assembly-line default practices, filing default motions without having first filed admissible business records or ownership proof. When challenged, PRA submits substituted affidavits and custodian declarations on the day of court, depriving me of due process and meaningful opportunity to contest standing or accuracy. 

No Proof of Ownership or Accuracy At no time has PRA produced : A 1099-C A Bill of Sale identifying my specific accounts Account-level purchase schedules Trust-level or securitization exclusion documents Any original creditor agreement establishing lawful transfer of receivables Instead, PRA relies on conclusory affidavits and third-party business records, which are hearsay and insufficient to establish standing, ownership, or accuracy. 

Improper Credit Reporting During Litigation Despite claiming to investigate and cease communications, PRA continues publishing negative tradelines to XXXX XXXX XXXX XXXX while actively litigating the same accounts. PRA can not lawfully report disputed debts as accurate while simultaneously claiming investigation and pursuing default. This conduct misrepresents the legal status of the debt and exerts unlawful leverage. 

Statutory Violations PRAs conduct constitutes : Failure to conduct a reasonable investigation and failure to correct inaccurate information in violation of FCRA 1681s-2 ( b ) False and misleading representations regarding default, ownership, and legal status in violation of FDCPA 1692e Unfair and unconscionable collection practices, including litigation during active disputes, in violation of FDCPA 1692f Failure to properly investigate and correct disputed information under Texas Finance Code 392.202 Regulatory Concern PRA tells regulators and credit bureaus one story ( we are investigating ; we ceased communication ) while telling courts another ( the consumer did not respond ; default is proper ). These positions can not simultaneously be true. This pattern reflects willful noncompliance, not isolated error. 

Requested CFPB Action I respectfully request : CFPB supervisory escalation and enforcement review An order requiring PRA to cease all credit reporting on disputed accounts while litigation and investigations are pending Mandatory production of full account-level proof of ownership and accuracy, or Immediate deletion of all PRA tradelines and cessation of litigation activity PRA should not be permitted to weaponize the courts while publishing disputed information to consumer reporting agencies without proof. 

Bottom Line This is not a documentation disputeit is a pattern of coordinated litigation and credit-reporting abuse designed to force payment without proof. CFPB intervention is necessary.

Company response to consumer: Closed with non-monetary relief