Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting and attempting to collect a {$580.00} debt on my XXXX credit report, originally from XXXX XXXX XXXX. PRA 's reporting and collection conduct violates the FDCPA, FCRA, Regulation V, and Texas Finance Code 392.307, and replicates the same violations the CFPB found against PRA in its XX/XX/XXXX stipulated final judgment. 1. TIME-BARRED DEBT UNDER TEXAS LAW . The Date of First Delinquency on the underlying XXXX XXXX account is XX/XX/XXXX. Under Texas Civil Practice & Remedies Code 16.004, the four-year statute of limitations expired around XX/XX/XXXX. Under Texas Finance Code 392.307, debt buyers like PRA are prohibited from suing on time-barred debt, and payments do not restart the clock. PRA has not provided the 392.307 disclosure. The CFPB 's XX/XX/XXXX order specifically found PRA was suing to collect on time-barred debt that conduct continues here. 2. FCRA RE-AGING. PRA 's tradeline shows " On Record Until : XX/XX/XXXX. '' Under FCRA 1681c ( c ) ( 1 ), the 7-year reporting clock runs from the original DOFD on the underlying debt not from when PRA acquired the account. With a DOFD of XX/XX/XXXX, the maximum reporting date is approximately XX/XX/XXXX. PRA appears to have anchored obsolescence to its XX/XX/XXXX tradeline-open date, extending reporting roughly 14 months beyond the FCRA limit . 3. UNSUBSTANTIATED BALANCE INFLATION. XXXX XXXX charged off this account at {$310.00} ( also visible on my XXXX report ). PRA reports {$580.00} a {$260.00} ( 83 % ) increase with no itemized accounting of interest, fees, or charges. The contradiction appears on the same XXXX report. The CFPB 's XXXX order foun d PRA was making tens of thousands of representations about unsubstantiated debts without Original Account Level Documentation ( OALD ). This account fits that pattern. 4. REPEATED UNREASONABLE INVESTIGATIONS. I have disputed this tradeline twice through XXXX. PRA 's response each time has been " Completed investigation of FCRA dispute consumer disagrees '' with no documentation produced. PRA has never provided OALD, an itemized accounting, chain-of-title documentation, or the DOFD. This is the same conduct CFPB cited in XXXX : failing to resolve direct disputes in timely fashion and conducting unreasonable investigations. PRA 's verifications appear automated and do not satisfy the reasonable-investigation standard under 12 C.F.R. 1022.43 ( e ). 5. POTENTIALLY IMPERMISSIBLE CREDIT PULLS. PRA has pulled my credit four times in nine months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Given the account is disputed, time-barred, and unvalidated, the permissible-purpose basis under FCRA 1681b warrants review . REQUESTED RELIEF : ( 1 ) Direct PRA to delete the tradeline from XXXX, XXXX, and XXXX ; ( 2 ) require PRA to produce OALD and DOFD documentation or cease collection under FDCPA 1692g ; ( 3 ) require PRA to issue the time-barred-debt disclosure required by Tex. Fin. Code 392.307 ; ( 4 ) investigate whether PRA 's continued conduct violates the XX/XX/XXXX stipulated final judgment. I am a Texas consumer in XXXX. Given PRA 's repeat-offender status and the documented pattern of the same violations the Bureau found in XXXX and XXXX, I am requesting CFPB review .

Company response to consumer: Closed with explanation