Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Complainant : XXXX XXXX. XXXX Email : XXXX Phone : XXXX Respondents : Portfolio Recovery Associates , LLC XXXX, VA XXXX XXXX XXXX XXXX XXXX, SC XXXX Nature of Complaint I am disputing the accuracy, legality, and compliance of the following collection accounts being reported and collected on my consumer credit file. Both accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Equal Credit Opportunity Act ( ECOA ), and XXXX XXXX compliance standards. 

Accounts in Question Portfolio Recovery Associates , LLC Original Creditor : XXXX XXXX XXXX 

Balance : {$200.00} Account No. : XXXX Balance Updated : XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$1100.00} Account No. : XXXX Balance Updated : XX/XX/year> Violations and Issues XXXX XXXX Compliance Errors Both accounts are coded as Open Accounts when collection accounts must report as Closed Collection/Charge-Off. 

Improper payment history ( C notations ) is being reported across multiple months. Collections can not carry monthly payment history this is factually inaccurate and misleading. 

Balance & Status Errors Portfolio Recovery shows balance = original balance ( {$200.00} ), marked as 0 % paid off. This is internally inconsistent and violates FCRA 1681e ( b ). 

XXXX XXXX reports ongoing balance without reduction despite multiple months coded C, which misrepresents account status.

Debt Validation Failures Under FDCPA 1692g ( b ), both agencies must provide full validation ( contract, assignment, chain of title ). No such proof has been provided, yet they continue reporting and attempting collection.

I previously disputed Portfolio Recovery under CFPB Case ID XXXX. The company responded, but failed to provide lawful validation and continued reporting. This is continued collection activity without validation, violating FDCPA.

Re-Aging & Duplicative Reporting Portfolio Recoverys account appears after previous disputes, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) - ( 5 ).

Consumer Harm These inaccurate and unverifiable accounts are lowering my credit score, obstructing housing and credit opportunities, and causing financial harm. This triggers protections under FCRA 1681i, FDCPA 1692e, and ECOA 1691.

Relief Requested I request that the CFPB enforce compliance and require : Permanent deletion of both collection accounts from all consumer reporting agencies.

Written confirmation from Portfolio Recovery Associates and XXXX XXXX that they have ceased reporting and collection activity. 

Investigation of repeat violations given prior CFPB complaint history ( XXXX ). 

Damages and penalties under FCRA 1681n/o and FDCPA 1692k, as applicable.

Conclusion These accounts are inaccurate, unverifiable, and non-compliant with federal law and XXXX XXXX standards. I request CFPB enforcement action to correct my consumer report and prevent further unlawful activity. 

Respectfully, /s/ XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation