Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2025 From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Notice of Dispute and Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Standards This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with XXXX XXXX XXXX furnishing standards and federal law. 

In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), 1681i, 1681e ( b ), and 1681s-2, as well as the Consumer Data XXXX XXXX XXXX XXXX XXXX Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 

CREDITOR NAME : PORTFOLIO RECOVERY ASSOCIATES Account XXXX XXXX XXXX XXXX I am formally disputing the accuracy and verifiability of the above-referenced account being furnished to consumer reporting agencies. Your tradeline contains incomplete, inaccurate, and unverifiable information and is not compliant with XXXX XXXX data standards. 





Specifically : The account continues to reflect a consumer disputes comment with no documented reinvestigation results. Under 15 U.S.C. 1681i, you are required to investigate and correct or delete disputed information. 

Continuing to furnish disputed data without verification violates 15 U.S.C. 1681s-2. 

Failure to maintain maximum possible accuracy violates 15 U.S.C. 1681e ( b ). 

Your reporting also conflicts with XXXX XXXX requirements, which mandate accurate dispute status codes and resolution results. 

Pursuant to 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), I hereby demand the immediate deletion of this account from all credit reporting agencies. 



Because the account appears to be reported by a debt buyer or collection agency, I am also exercising my right to request validation of the alleged debt and proof of your authority to collect or report it. Please provide the following documentation within the reinvestigation period : XXXX. Complete chain of assignment including all transfers of ownership, assignments, or sales demonstrating your lawful right to collect and report this account, as required under XXXX XXXX. 

XXXX. Original agreement or contract a copy of the original signed agreement or other evidence that I am legally obligated for the alleged debt. 

XXXX. Detailed, itemized accounting showing how the claimed balance was calculated, including all fees, interest, credits, and payments applied. 

If you are unable or unwilling to provide complete, authenticated verification of the above within the time allowed by law, you must delete this account from my credit file immediately and notify all consumer reporting agencies to which you have furnished this information. 

Please treat this as a formal demand to remove this account from all credit reports. Continued noncompliance may result in legal action under 15 U.S.C. 616617. 

I expect written confirmation of deletion within XXXX  days of receipt of this notice. 



Enclosed are my ID and proof of address for verification. Please resolve this within XXXX days and provide written verification of your findings. 





Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief