Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am disputing inaccurate and improper credit reporting by Portfolio Recovery Associates ( PRA ) on an alleged XXXX XXXX account. PRA is reporting a collection account with the same account number as an original XXXX XXXX account that was already closed and paid years ago. This is causing duplicate, conflicting, and misleading information across XXXX XXXX and XXXX 

Original XXXX XXXXXXXX Account ( as reported to XXXXXXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX  )/ XXXX ( XXXX  ) Condition : Paid / Closed Responsibility : Individual Current Balance : {$0.00} Original Balance : {$2800.00} Credit Limit : {$2500.00} Monthly Payment : {$0.00} Last Payment Date : XX/XX/XXXX Status : OK ( Never late ) Loan Term : N/A ( Credit Card ) Date Opened : XX/XX/XXXX Reported Dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Remarks : Dispute resolved; reported by grantor Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates Collection Account ( as reported to XXXX XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Condition : Derogatory Current Balance : {$2300.00} Original Balance : {$2300.00} Status : Collection / Charge-Off Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Account information disputed by consumer, meets FCRA requirements XXXX : Listed under Open Lines instead of Collections, which is misleading.

Reports account type as Open even though it is a collection account.

Uses the same account number base as the paid XXXX XXXX account. 
XXXX XXXX XXXXXXXX XXXX tradeline shows Paid / Closed / Never Late status with same account number.

PRA also reports a new Open Collection for the same account number, balance {$2300.00}, opened XXXX. 
Why This Reporting Is Inaccurate : Duplicate reporting PRA is using the same base account number as the original XXXX XXXXXXXX account but reporting it as a new, separate debt opened in XXXX. 
Conflicting bureau data XXXX XXXX XXXX show the original XXXX XXXX account as paid and closed, but PRA shows the same debt as open, active, and in collections. XXXX misclassifies it under Open Lines.

Re-aging of debt PRA changed the open date from XXXX ( original account ) to XXXX to make it appear recent, which violates the Fair Credit Reporting Act ( FCRA ). 
Failure to validate Written debt validation requests were sent to PRA on XX/XX/XXXX and XX/XX/XXXX to the address and email PRA provided. PRA has failed to produce any proof they own or can collect this debt. 
Misleading status A debt that was settled and closed years ago is being portrayed as active, derogatory, and past due.

Laws Violated : FCRA Reporting inaccurate and misleading information, failing to correct after dispute, and re-aging the debt.

FDCPA Attempting to collect without validation, misrepresenting the legal status of the debt.

Company response to consumer: Closed with explanation