Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This supplemental complaint is submitted to document continued, willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Portfolio Recovery Associates , LLC ( PRA ) and XXXX, in connection with the inaccurate reporting and unlawful verification of an alleged debt originally claimed by XXXX XXXX XXXX, now being reported by PRA.

1. XXXX 's Willful Noncompliance with FCRA 1681i ( a ), 1681s-2 ( b ), and 1681g ( a ) ( 2 ) Despite multiple disputes submitted via certified mail, including a formal Method of Verification ( MOV ) request on XX/XX/year> ( delivered XX/XX/year> ), XXXX  has continued to report the PRA tradeline as verified and updated as of XX/XX/year>, as evidenced in the attached screenshot. At no point has XXXX disclosed : The method of verification, The name and contact information of the verifying party, or Any documentation supporting the accuracy of the tradeline. 

This violates the obligations under : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Notice of reinvestigation procedures ; 15 U.S.C. 1681g ( a ) ( 2 ) : Furnisher identity disclosure ; 15 U.S.C. 1681e ( b ) : Duty to maintain maximum possible accuracy ; and 15 U.S.C. 1681n : Willful noncompliance.

2. PRA 's Failure to Validate Under FDCPA 1692g ( b ) PRA has failed to provide any legally required debt validation despite two prior written demands. Instead, PRA continues to furnish derogatory information to XXXX, marking the account as " verified '' and " past due '' without providing : A signed agreement bearing my signature, An itemized payment history, A full chain of assignment from XXXX XXXX to PRA, or Proof of legal authority to collect in Florida. 

This continued reporting violates : 15 U.S.C. 1692g ( b ) : Failure to cease collection on disputed debt ; 15 U.S.C. 1692e ( 8 ) : Reporting disputed debt without noting dispute status ; 15 U.S.C. 1681s-2 ( b ) : Failure to correct inaccurate information after notice. 

3. Undelivered Certified Disputes & Concerns of Systemic Interference Two certified letters sent to PRA including an Intent to Sue letter dated XXXX XXXX XXXX were never delivered, despite correct addressing. While I do not allege intentional misconduct without proof, the consistent failure of properly addressed legal correspondence to arrive raises concerns about systemic mishandling of consumer disputes, either internally or by design. 

XXXX. Ongoing Harm and Damages As of XX/XX/year>, XXXX continues to report the tradeline as a Collection Account with a balance of {$790.00}, past due as of XX/XX/year>. This derogatory entry repeatedly disputed and verified without documentation has materially damaged my credit profile, making it impossible to secure housing and affecting other lines of credit. 



Attachments : Screenshot from XXXX  Updated XX/XX/year> XXXX tracking records showing failed delivery of certified mail Copies of previous dispute and MOV letters I respectfully request the CFPB escalate this matter for enforcement review due to continued systemic violations of consumer protection laws by both parties.

Company response to consumer: Closed with explanation