Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Complaint Against : Portfolio Recovery Associates ( PRA ) XXXX XXXX, and XXXX  Issue : Reporting false, inaccurate, unverified, and misleading collection accounts and refusing to provide legally required documentation. 


-- - Complaint Details : I am filing this complaint because Portfolio Recovery Associates continues to report collection accounts that are inaccurate, misleading, and not legally verifiable. I have repeatedly asked PRA to provide actual documentation proving these debts belong to me. They have refused every time.

If PRA truly believes these accounts belong to me, then it should be simple for them to send the proof I requested. Instead, they keep giving me generic billing statements, which are NOT legal proof of ownership, liability, or accuracy. Billing statements do not establish : That the debt belongs to me That the balance is correct That PRA legally owns the debt That the debt is within the legal reporting period That PRA has the right to report or collect on the account If this matter went to court, PRA would be required to produce : A complete chain of title A bill of sale with identifying information The original creditors signed agreement Itemized transaction history from XXXX XXXX  Proof of assignment Proof of ownership Proof that the amount they are reporting is accurate They refuse to produce ANY of these documents. That is a major red flag. 


-- - Violations Identified : 1. Failure to provide proper validation of debt PRA is refusing to provide real proof and instead sends billing statements. Under FDCPA 809 ( b ), they must provide validation.

2. False and misleading reporting ( FDCPA 807 ) They are reporting : Inflated balances Closed accounts still showing active balances Contradictory dispute statuses Opened dates that do not match the original creditor 3. Illegal re-aging of debt ( FCRA 605 ( c ) ) They changed the opened date to 2024 even though XXXX XXXX charged off these accounts years earlier. This is illegal and extends the reporting period.

4. Failure to conduct a reasonable investigation ( FCRA 611 ( a ) ) Despite multiple disputes, PRA continues to copy/paste the same recycled, inaccurate information.

5. Failure to maintain accuracy ( FCRA 607 ( b ) ) They knowingly report balances that do not match the highest balance.

6. Reporting unverifiable information to the bureaus ( FCRA 623 ) They are reporting accounts that they can not legally prove.

-- - Requested Resolution : I am requesting full and permanent deletion of all Portfolio Recovery Associates accounts from my credit reports with XXXX XXXX  and XXXX. 

These accounts can not be corrected because PRA can not verify : Ownership Liability Accuracy Chain of title Assignment Balance integrity Reporting dates Without proper documentation, PRA has no legal right to report these debts. If they can not validate them, the accounts must be deleted, not updated.

-- - What I Expect From PRA : If PRA truly thinks this debt belongs to me, then they should produce the actual legally required documents. Not billing statements. Not recycled screenshots. Actual proof.

If they can not provide this, then these accounts are unverifiable and must be removed.

Company response to consumer: Closed with explanation