Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Respondent : Portfolio Recovery Associates , LLC ( XXXX ) Consumer : XXXX XXXX XXXX, XXXX Jurisdiction : XXXX XXXX, Texas XXXX XXXX, Precinct XXXX Related Court Causes : XXXX XXXX I. INTRODUCTION I submit this complaint to formally notify the Consumer Financial Protection Bureau of ongoing, repeated, and willful violations by Portfolio Recovery Associates , LLC ( XXXX ) involving : Knowingly inaccurate credit reporting Failure to investigate formal disputes Misrepresentations of the legal status of alleged debts Active litigation misconduct Abusive and deceptive collection practices False communications to consumer reporting agencies Attempts to obtain default judgments on disputed and unverified accounts These violations occurred across multiple lawsuits filed by XXXX, all of which remain actively litigated, and were compounded by XXXX XXXX admissions that the debts may not belong to me. 

XXXX. BACKGROUND OF THE XXXX COURT CASES A. Cause No. XXXX Case filed : XX/XX/XXXX Answer filed : XX/XX/XXXX XXXX improperly sought XXXX Judgment : XX/XX/XXXX Default denied due to my timely Answer XXXX then filed XXXX separate motions for continuance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), each claiming inability to proceed. 

B. Cause No. XXXX Case filed : XX/XX/XXXX Served : XX/XX/XXXX XXXX filed Motion for Default Judgment the same day, despite active disputes XXXX obtained a XXXX judgment without proper service of required business records After court proceedings began, XXXX filed multiple XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) III. XXXX CONTINUED CREDIT REPORTING DURING ACTIVE LITIGATION While filing continuances in both casesadmitting it could not verify documents, authenticate ownership, or proceed with XXXX continued to report the alleged debts negatively to : XXXX  XXXX  XXXX XXXX reported the debts as : Valid Verified Accurate Owed Undisputed ( in violation of XXXX ( XXXX ) ) This conduct is false, misleading, and unlawful because XXXX simultaneously informed the Court : It can not proceed, It lacks evidence, It needs more time, It does not possess required documentation, and It can not verify the debt. 

A collector can not tell a court, We can not verify anything, while telling credit bureaus, We have verified everything. 

This is the definition of fraudulent and abusive credit reporting. 

IV. CFPB-RELATED MISCONDUCT I filed multiple disputes and complaints with the CFPB : CFPB Complaint ID XXXX CFPB Complaint ID XXXX XXXX responded to those CFPB filings by admitting : It needed more time to investigate The debt maXXXX not be yours It could not verify the accuracy of its reporting It refused to correct reporting because active litigation was pending It did not possess account-level data These admissions materially contradict the continued negative credit reporting. 

V. LEGAL VIOLATIONS ( XXXX & TEXAS ) A. FDCPA Violations XXXX ( XXXX ) ( A ) False representation of legal status XXXX continued reporting the debt as verified and owed while telling the court it lacked verification. 

XXXX ( XXXX ) Failure to communicate known disputes XXXX did not properly mark the accounts as disputed. 

XXXX Unfair or unconscionable means XXXX damaged my credit during litigation to pressure settlement. 

XXXX ( XXXX ) Threatening or taking action that can not legally be taken Filing default motions despite my timely Answer and active disputes. 

XXXX FCRA Violations XXXX ( b ) Failure to conduct a reasonable investigation XXXX continued reporting after acknowledging it could not verify anything. 

XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be inaccurate XXXX reported the debts as verified while admitting evidence was incomplete. 

XXXX ( a ) ( XXXX ) Failure to mark accounts as disputed XXXX continued reporting without dispute notation. 

XXXX XXXX XXXX XXXX Violations XXXX ( a ) ( XXXX ) Misrepresenting the character, amount, or status of the debt. 

XXXX ( a ) ( XXXX ) General deceptive practice provision violated repeatedly. 

VI. PENDING DAMAGES & CONSEQUENCES The reporting has caused : Harm to my credit standing Higher insurance rates Denial of refinancing options Emotional distress and reputational harm Costs associated with defending these suits Time lost combating PRAs misconduct XXXX. REQUESTS FOR CFPB ACTION I respectfully request that the Consumer Financial Protection Bureau : Investigate PRAs contradictory conduct XXXX can not simultaneously request continuances due to lack of evidence while continuing negative reporting. 

Compel XXXX to correct its reporting Mark all accounts as in dispute Mark as in litigation Remove all unverified entries Delete all inaccurate data Require XXXX to produce account-level documentation including : Bill of Sale Chain of Title Schedule XXXX / Data File XXXX ( if applicable ) Impose fines and penalties for repeated violations across multiple causes. 

Order XXXX to cease reporting altogether until litigation concludes. 

Investigate XXXX for a pattern of abusive litigation tactics affecting consumers nationwide. 

XXXX. XXXX XXXX has engaged in a sustained pattern of misrepresentation, abusive credit reporting, litigation misconduct, and regulatory non-compliance across XXXX open court cases. XXXX  conduct undermines the integrity of both the judicial system and the credit reporting system. 

I request full investigation, corrective action, enforcement remedies, and protection under federal law.

Company response to consumer: Closed with non-monetary relief