Consumer complaint received 2026-01-03 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: FL

Complaint narrative:
CFPB Complaint PORTFOLIO RECOVERY ASSOCIATES LLC To : Portfolio Recovery Associates LLC From : XXXX XXXX XXXX Subject : Unverifiable Debt Immediate Daily Liability {$5000.00} {$25000.00} per Account ( FCRA XXXX ) WARNING : Each day this account continues to be reported with unresolved Chronology Conflict creates immediate financial exposure of {$5000.00} {$25000.00} per day under FCRA XXXX. This complaint is archived as formal evidence of willful noncompliance and bad faith, and may be used in future legal or regulatory action. PDFs attached include all prior complaints submitted for record. 

Verified Violations/ Legal Basis Chronology Conflict : Date Opened, Date Closed, Charge-Off, and Date of First Delinquency ( DOFD ) do not match ; prevents independent verification ( FCRA XXXX ( a ), XXXX ( a ) ( XXXX ) ). 

Creditor Name / Address Inconsistencies : Multiple names and addresses across bureaus prevent verification ( FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ). 

Balance Reporting Conflict : Balance shows {$1000.00} despite charge-off discrepancies ; inconsistent reporting. 

No Documentation Provided : XXXX has not supplied proof of the alleged debt. 

Potential FDCPA Violations : Reporting or attempting collection of unverifiable debt ( XXXX U.S.C. XXXX / XXXX ). 

Jurisprudence : XXXX v. XXXX, MO XXXX XXXX. XXXX, XXXX presumption of non-existence of debt due to lack of evidence. 

XXXX XXXX XXXX  and XXXX XXXX XXXX & XXXX willful noncompliance ; daily accrual of damages under FCRA XXXX. 

Ongoing Daily Cost of XXXX {$5000.00} {$25000.00} per day per account while reporting continues after notice. 

Each ignored complaint will be archived as formal evidence of PRAs willful noncompliance and bad faith. 

Pattern of ignoring complaints increases legal exposure and strengthens evidence for damages in court or regulatory action. 

Requested Resolution Provide complete, signed, and dated documentation proving the alleged debt. 

Cease all reporting to credit bureaus until verification is completed. 

Delete the account if documentation can not be provided. 

Remedy any damages caused by reporting unverifiable information. 

Attachments / Evidence PDFs of all prior CFPB complaints submitted, including complaint numbers, dates, and accounts ( archived for record ). 

TransUnion, Experian, and Equifax tradeline inconsistencies. 

Accumulation of Evidence Proof of Complaint # X Submission Date to CFPB for the Company : XX/XX/XXXX My Complaint Number at the CFPB for the Company : XXXX Brief Facts : Account : PORTFOLIO RECOVERY ASSOCIATES # XXXXXXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX ( Opened ) XX/XX/XXXX ( Last Activity ) Reported Balance : {$1000.00} | Charge-Off : {$0.00} Status : Collection Chronology Conflict : Date Opened, Date Closed, Charge-Off, and Date of First Delinquency ( DOFD ) do not match ; prevents independent verification. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief