Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am filing this new escalation complaint to address a pattern of unlawful, contradictory, and harassing collection activity by Portfolio Recovery Associates , LLC ( PRA ) and its attorneys, XXXX XXXX XXXX, XXXX, across multiple CFPB complaints involving the same XXXX XXXX XXXX  account ( ending XXXX ). 

This complaint incorporates and relies upon all prior CFPB submissions, attachments, timelines, and documentation previously provided, including but not limited to Complaints : XXXX XXXX XXXX XXXX Summary of Patterned Misconduct PRA and XXXX XXXX have repeatedly : XXXX. Pursued collection and legal action on an account previously deleted from all credit bureaus due to non-verification 2. Made false statements to the CFPB claiming they ceased all communications, while continuing collection through attorneys 3. Used settlement letters, consent judgments, and court filings to pressure me into admitting liability for a debt that has never been properly validated 4. Shifted positions across complaints to avoid accountability ( e.g., no contract required, validation untimely, communications ceased ) 5. Ignored Louisiana prescription ( statute of limitations ) concerns and enforceability requirements 6. Caused documented emotional distress and financial duress, impairing my ability to timely respond to regulatory processes This conduct reflects systemic abuse of the CFPB complaint process and warrants supervisory and enforcement review, not informal resolution.

Key Legal Violations Implicated FDCPA 1692e, 1692f, 1692g ( b ) ( False representations, unfair practices, continued collection without validation ) FCRA 623 ( a ) ( 1 ) & 623 ( b ) ( Pursuit of enforcement on unverified and previously deleted debt ) CFPB Regulation F ( Abusive, misleading, and coercive collection practices ) Louisiana Civil Code art. 3494 ( Prescription on open accounts ) This is not a single dispute it is a pattern of coordinated conduct designed to pressure consumers into settlement despite lack of lawful validation. I request this complaint not be closed and be reviewed under heightened regulatory standards.

I reserve all rights under federal and Louisiana law. 

XX/XX/XXXX CFPB complaint filed against XXXX XXXXXXXX XXXX XXXXXXXX XXXX fails to respond or validate XXXX Account deleted from all three credit bureaus due to non-verification XX/XX/XXXX XXXX claims purchase of account from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX sends initial notice ( no valid prior validation exists ) XXXX XXXX Portfolio Recovery Associates / XXXX XXXX obtain or pursue warrant to sue in XXXX XXXX XXXX XXXX enforcement initiated on a previously deleted, unverified account XX/XX/XXXX XXXX XXXX sends certified settlement / consent judgment packet Letter explicitly states : This is a communication with a debt collector XXXX XXXX XXXX PRA tells CFPB it has ceased all communications XXXX XXXX XXXX XXXX continues sending settlement letters PRA maintains contradictory positions across CFPB complaints False.

2. Cease all collection, settlement, litigation, and attorney contact 3. Do not sell, assign, transfer, or place this account with any third party 4. Withdraw any warrants, legal actions, or enforcement efforts 5. Provide written confirmation of permanent closure within 15 days Basis for Demand The account was previously deleted due to non-verification PRA and XXXX XXXX have made false statements to the CFPB Continued attorney settlement letters constitute FDCPA violations Enforcement was pursued without lawful validation The conduct has caused emotional distress and financial duress Any further attempt to collect, assign, or enforce this account will be treated as willful non-compliance and evidence of bad-faith collection practices. 

No Waiver of Rights This demand does not constitute acknowledgment of liability. 
All rights under FDCPA, FCRA, CFPB regulations, and Louisiana law are expressly reserved.

Company response to consumer: Closed with explanation