Consumer complaint received 2025-08-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Formal Demand for Immediate Deletion Unverified & Inaccurate Reporting To : Equifax XXXX XXXX XXXX Date : [ XX/XX/XXXX ] Regarding : Portfolio Recovery Associates Account XXXX XXXXXXXX To Whom It May Concern, I am demanding the immediate deletion of the account reported as Portfolio Recovery Associates Account # 0936 from my credit file.

This account contains material errors, unverifiable information, and legal violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
XXXX Inaccuracies & Violations : XXXX. Chronological impossibility Date Opened is XX/XX/XXXX while Date of First Delinquency is XX/XX/XXXX, which is factually impossible. 
XXXX. Contradictory reporting Account is marked Closed yet shows an active balance of {$1400.00}. 
XXXX. Lack of original creditor verification No verifiable contract, account records, or original creditor identification has been provided. 
XXXX. False payment history The codes and late marks listed are unsupported and can not be verified with the original creditor. 
Required Action : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), you are required to perform a reasonable reinvestigation within XXXX  days. 
If you can not fully and legally verify every element of this account, you must delete it immediately. 
Failure to comply will result in documented willful noncompliance under FCRA 616 and 617, and I will seek statutory damages, actual damages, attorneys fees, and punitive damages. 
I demand written proof of the investigation results within the statutory time limit. 
Sincerely, XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX, NJ, XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Date : [ XX/XX/XXXX ] Regarding : Account # XXXX Alleged Balance $ XXXX Whom It May Concern, This letter is a formal dispute of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
You are hereby notified that : XXXX. I do not recognize or owe this alleged debt. 
XXXX. You have failed to provide validation as required by FDCPA 809 ( b ). 
XXXX. Continued reporting of this account to the credit bureaus without proper validation is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA.

Required Validation Documents : - Original signed contract or agreement bearing my signature. 
- Full payment history from the original creditor. 
- Proof of your legal ownership or assignment of this debt. 
- Itemized accounting of the alleged balance. 
Until you provide complete validation, you must immediately cease all collection activity, including credit reporting, phone calls, and correspondence, as required by FDCPA 809 ( b ).

Be advised : Any further reporting or collection without validation will be documented as willful violations and pursued in a civil action under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o, seeking statutory damages, actual damages, punitive damages, and attorneys fees. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief