Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ________________________________________ To : Experian XXXX XXXX XXXX XXXX, TX XXXX ________________________________________ Subject : Formal Dispute and Request for Immediate Deletion Portfolio Recovery Associates/ Account # XXXX Dear XXXX Dispute Department, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and misleading information currently reported on my XXXX credit report related to the following account : Company Name : Portfolio Recovery Associates Original Creditor : XXXX XXXX. 
Account Number : XXXX Balance Reported : {$2000.00} Status : Collection account, updated XX/XX/XXXX Date Opened : XX/XX/XXXX Nature of Dispute This account is being reported with multiple inaccuracies and omissions, including : 1. Conflicting balance information. The account is listed as paid off ( 0 % ), yet the balance is still reported as {$2000.00} past due. 
XXXX. Inconsistent and incomplete payment history. The account reflects vague and broken reporting across XXXX and XXXX with C ( Collection ) status in months that conflict with its reported balance and status. 
XXXX. Unjustified updates after previous disputes. I previously disputed this account due to similar inaccuracies. However, rather than correcting or removing the item, the furnisher simply updated the tradeline with further misleading information, which violates the requirement of a reasonable reinvestigation under FCRA 1681i ( a ). 
4. No debt validation has been provided. I have never received proper validation of this debt from Portfolio Recovery Associates, yet XXXX continues to report it monthly. This is a direct violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA 1692g ( b ) ), which prohibits continued reporting without first validating the debt upon dispute.

Legal Violations By continuing to report this inaccurate and unverifiable account, XXXX is in violation of the following federal laws : FCRA 1681i Failure to conduct a reasonable reinvestigation after a consumer dispute FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of the consumer report FCRA 1681s-2 ( b ) Failure of the data furnisher to correct and update inaccurate information FDCPA 1692g ( b ) Prohibits further collection or reporting of a debt without proper validation Requested Resolution I am demanding the complete and permanent deletion of this account from my XXXX credit file. This account has been previously disputed, and the failure to correct the inaccuracies or provide proper documentation constitutes a violation of my rights under federal law. No updates, no corrections full removal is required. 
A copy of this letter is being submitted to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) as part of a formal complaint for failure to comply with FCRA guidelines and for continued reporting of false and unverifiable information. 
Please confirm removal of this account in writing within 30 days, as required under FCRA 1681i ( a ) ( 1 ). 
Sincerely, XXXX XXXX XXXX Last XXXX Digits : [ XXXX ] XXXX : [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation