Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This complaint is filed against Portfolio Recovery Associates ( PRA ) for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. PRA has engaged in systemic, unlawful, and abusive practices, including : Furnishing inaccurate, contradictory, and misleading information to consumer reporting agencies. Failing to provide validation of debt while continuing collection activity. Engaging in false, deceptive, and unfair practices designed to coerce payment. Causing ongoing and significant credit harm, financial injury, and reputational damage. The actions of PRA constitute violations that are repeated, reckless, and intentional, meriting maximum regulatory enforcement and immediate consumer relief.

II. Statement of Facts 1. PRA is reporting a collection account allegedly derived from XXXX XXXX in the amount of {$1900.00}.

2. PRA reported the account inconsistently across bureaus : XXXX  lists : Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXX. 
XXXX lists : Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXX. 
3. PRA added the notation Dispute resolved consumer disagrees. This admission confirms PRA was unable to validate the debt in compliance with FDCPA 1692g ( a ). 4. Despite the lack of validation, PRA continues to furnish derogatory reporting and pursue collection. 5. The inconsistent and unverifiable reporting materially misrepresents the accounts age, status, and legal enforceability, creating confusion for creditors and causing significant harm to my credit profile. III. Counts ( Violations of Federal Law ) Count I Violation of FCRA 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy PRA furnished contradictory and conflicting dates of account opening and activity. These inconsistencies materially affect credit scoring, the accounts appearance of recency, and the consumers risk profile. Courts have repeatedly affirmed that inaccurate reporting violates 1681e ( b ). See Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ). PRA has failed to exercise even the most basic standard of accuracy required under the law. Count II Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Reporting Information Known to Be Inaccurate PRA reported false and inconsistent information to TransUnion and Experian. PRA had actual knowledge of the inaccuracies yet failed to correct or delete them. This conduct violates 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate data. Count III Violation of FDCPA 1692g ( a ) & 1692g ( b ) : Failure to Provide Validation of Debt PRA failed to provide proper validation of the alleged debt despite the consumer dispute. Instead, PRA merely marked the account as resolved consumer disagrees. Under 1692g ( b ), all collection activity must cease until proper validation is provided. Continued reporting constitutes unlawful collection activity. Count IV Violation of FDCPA 1692e : False, Deceptive, and Misleading Representations PRA falsely represents the legal status and validity of the debt by reporting it as a collectible obligation despite failing to validate. Violations include : 1692e ( 2 ) ( A ) : Misrepresenting the character, amount, or legal status of the debt. 1692e ( 8 ) : Failing to clearly communicate that the debt remains disputed and unverifiable. Courts recognize such conduct as deceptive and unlawful. See Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ). Count V Violation of FDCPA 1692f : Unfair and Unconscionable Collection Practices PRAs continued derogatory reporting of an unvalidated, disputed debt is an unfair collection tactic designed to force payment through reputational harm. This is unconscionable and violates 1692f. Count VI Ongoing Harm and Damages As a direct result of PRAs actions : My credit score has been significantly reduced. I have been denied credit opportunities. I have suffered financial loss, reputational harm, and emotional distress. PRAs conduct is reckless, malicious, and part of a systemic pattern of abuse against consumers.

Company response to consumer: Closed with explanation