Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC for violations related to inaccurate credit reporting, failure to properly investigate disputes, and failure to respond to a formal pre-arbitration demand concerning violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Portfolio Recovery Associates , LLC reported an alleged consumer debt originally associated with XXXX XXXX  XXXX XXXX. The account was reported using incorrect and inconsistent personal identifying information, including a misspelled legal name ( XXXX XXXX XXXX ), despite my repeated disputes and submission of valid identification confirming my correct legal identity. 
I timely disputed the account directly with Portfolio Recovery Associates , LLC and through the credit reporting agencies. In response, Portfolio Recovery Associates , LLC provided only limited and generic documentation that failed to establish proper ownership of the account, accurate consumer identification, or a valid chain of assignment sufficient to meet verification and reinvestigation standards under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Despite the ongoing disputes and documented inaccuracies, Portfolio Recovery Associates , LLC continued reporting the account. Portfolio Recovery Associates , LLC also initiated legal action in Massachusetts small claims court. The matter was later resolved, and a Satisfaction of Judgment was filed with the court confirming the judgment as fully satisfied.

After continued dispute activity and legal correspondence, Portfolio Recovery Associates , LLC deleted the account from my credit reports. However, this deletion occurred only after prolonged disputes and legal escalation, and Portfolio Recovery Associates , LLC never provided a written explanation acknowledging the inaccurate reporting, investigation failures, or compliance deficiencies.

Critically, on [ insert date ], I sent Portfolio Recovery Associates , LLC a formal pre-arbitration demand letter outlining documented FDCPA and FCRA violations and requesting resolution and compensation for damages. Portfolio Recovery Associates , LLC failed to respond to this demand. When I contacted Portfolio Recovery Associates , LLC by phone, representatives repeatedly stated that the account was removed and declined to address the arbitration demand or compliance issues, effectively dismissing the matter without a formal response.

Deletion of an account does not cure prior violations, nor does it negate consumer harm caused by inaccurate reporting, failure to properly investigate disputes, and continued collection and legal activity while disputes were pending.

As a result of Portfolio Recovery Associates, LLCs conduct, I experienced : Credit reporting harm Stress and emotional distress Significant time and financial burden associated with repeated disputes and legal defense Loss of confidence in the accuracy and integrity of my consumer credit file Portfolio Recovery Associates, LLCs failure to respond to a formal pre-arbitration demand and refusal to address compliance concerns demonstrates a lack of good-faith dispute resolution and raises serious concerns regarding its internal compliance and consumer protection procedures.

Company response to consumer: Closed with non-monetary relief