Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates LLC ( " PRA '' ) regarding a charged-off XXXX XXXX XXXX credit card account that PRA acquired in XXXX and is reporting on my XXXX credit file. PRA is subject to the XX/XX/XXXX CFPB consent order ( {$24.00} XXXX total, $ XXXX consumer redress + $ XXXX civil penalty ) for failure to properly investigate consumer disputes received from credit bureaus, in violation of FCRA XXXX XXXX ( XXXX ). The CFPB identified PRA as a " repeat offender '' of the XXXX consent order. The conduct described below is inconsistent with the compliance terms of that consent order. Issue XXXX : Duplicate-tradeline reporting of a single underlying debt. XXXX XXXX XX/XX/XXXX dispute response ( confirmation XXXX ) reports both the PRA tradeline AND the XXXX XXXX XXXX tradeline with the SAME last-four account number ( XXXX XXXX ). The same response discloses in writing that XXXX ' " XXXX XXXX '' on that same account is " Transfer/Sold. '' XXXX ' own data on XXXX XXXX books therefore establishes that the underlying obligation was sold to PRA. A single underlying obligation can not lawfully be reported as XXXX simultaneous tradelines ( XXXX by XXXX as the seller, XXXX by PRA as the buyer ) because that misrepresents the consumer 's total outstanding obligations to any user of the credit report. Under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), this duplication is " objectively and readily verifiable '' from XXXX XXXX own data. The simultaneous reporting of XXXX debt as XXXX open tradelines ( XXXX with {$0.00} balance at XXXX, XXXX with {$1000.00} balance at PRA, both referencing account XXXX XXXX ) is materially misleading under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Issue XXXX : Statute-of-limitations posture ( legal inaccuracy under XXXX ). XXXX XXXX XX/XX/XXXX response itself discloses Date of First Delinquency of XX/XX/XXXX on the PRA tradeline. I am a XXXX resident. The applicable statute of limitations on written-contract consumer debt in California is XXXX years ( XXXX XXXX XXXX XXXX XXXX section XXXX ), which expired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, prohibits a debt collector from suing or threatening to sue on a time-barred debt. Continued reporting of the alleged debt as a current collectible obligation is legally inaccurate under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), this legal challenge requires investigation under section XXXX ( XXXX ) and can not be dismissed as a non-actionable legal dispute. Issue XXXX : Failure to satisfy section XXXX ( XXXX ) investigation duty. On XX/XX/XXXX, XXXX verified the disputed PRA tradeline as " reporting accurately '' without producing any underlying documentation. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the furnisher 's section XXXX ( b ) " reasonable investigation '' duty is not satisfied by re-confirming internal records ; primary-source documentation must be examined. PRA 's verification is facially non-compliant with the controlling XXXX XXXX precedent and with the compliance terms of the XX/XX/XXXX CFPB consent order. Issue XXXX : Continued non-compliance with XX/XX/XXXX consent order. The conduct described above is precisely the conduct the CFPB found unlawful in the XX/XX/XXXX consent order : failure to properly investigate consumer disputes received from credit bureaus ; collection on debts without required documentation ; improper attempts to collect on debts past the statute of limitations. Each of these compliance terms appears to be violated in the handling of my account. I have filed ( or am about to file ) a parallel complaint with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX under the Debt Collection Licensing Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) and the XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation