Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint Against Portfolio Recovery Associates Chronology Conflict / FCRA 623 ( a ) ( 5 ) To : CFPB Complaint : Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} Status : Charge-off {$430.00} Issue : Chronology conflict across credit bureaus : dates of closure, charge-off, sale, and last activity do not match. 

Original date of first delinquency is unverifiable. 

Reporting inconsistencies exist across Experian, Equifax, and TransUnion. 

No statements, notices, or communications regarding this account have ever been received from the original creditor or Portfolio Recovery Associates. 

Violation : FCRA 623 ( a ) ( 5 ) : Furnisher must report accurate and verifiable information. The inconsistencies, unverifiable dates, and lack of documentation constitute a violation.

FDCPA 809 ( b ) : Reporting debts without verifiable documentation constitutes a failure to validate debt. 

XXXX XXXX : XXXX XXXX Portfolio Recovery Associates ( XXXX ) XXXX held liable for reporting debts without verification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furnishers liable for inaccurate information inherited from prior furnishers. 

XXXX XXXX XXXX ( XXXX ) XXXX to investigate and correct errors ; failure creates liability. 

Potential Additional Consideration : This account may be time-barred under Florida Statutes 95.11, limiting the legal ability to collect or report.

Risk of Escalation : Given the verified chronology conflicts, unverifiable delinquency dates, inconsistencies across all major credit bureaus, and lack of any communication to the consumer, failure to correct this account creates a legal risk for PRA, including : CFPB enforcement action for repeated reporting of unverifiable information.

Potential class action litigation due to the pattern of inaccuracies, as established in the cited cases.

Requested Action : Immediate deletion or cessation of reporting of this account across all credit bureaus until verifiable documentation is provided.

Correction of all inaccuracies.

Assurance that unverifiable or misclassified information will not be reported in the future.

Summary : Portfolio Recovery Associates reporting demonstrates chronology conflicts, unverifiable delinquency dates, inconsistencies across XXXX XXXX XXXX XXXX, and lack of any consumer communication, constituting a violation of FCRA 623 ( a ) ( 5 ) and FDCPA 809 ( b ). The jurisprudence cited establishes furnisher liability, and the risk of escalation to CFPB enforcement or class action is clear and documented. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief