Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute and Request for Immediate Deletion Portfolio Recovery Associates/ Account # XXXX Dear XXXX  Dispute Department, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information currently being reported on my XXXX credit report related to the following account : Company Name : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$470.00} Status : Collection account, listed as past due as of XX/XX/XXXX Date Opened : XX/XX/XXXX Nature of Dispute This account is being reported with multiple material errors and legal deficiencies : XXXX. Conflicting status and balance. The account is marked as paid off ( 0 % balance ) yet is still being reported as {$470.00} past due as of XX/XX/XXXX. This is inaccurate and misleading. 
XXXX. Inconsistent and incomplete payment history. The monthly data shows continuous XXXX ( XXXX ) entries across XXXX and XXXX, yet also contains gaps and missing information. Such fragmented reporting violates the standard of accuracy required by the FCRA. 
XXXX. Previous dispute ignored or inadequately resolved. Your records indicate this account was previously investigated and marked as consumer disagrees, but no correction or deletion followed. Instead, the tradeline was updated with even more inaccurate data, which violates your duty to conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
XXXX. No debt validation provided. I have never received validation of this debt from Portfolio Recovery Associates. Continued reporting without verification constitutes a violation of FDCPA 1692g ( b ). 
Legal Violations XXXX continued reporting of this account constitutes the following violations : FCRA 1681i Failure to properly reinvestigate previously disputed information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of information FCRA 1681s-2 ( b ) Failure by the data furnisher to correct or delete inaccurate information upon notice of dispute FDCPA 1692g ( b ) Illegal continuation of reporting and collection activity without proper debt validation Resolution Demanded I am demanding the complete deletion of this account from my XXXX credit report. This account is both inaccurate and unverifiable, and XXXX has failed to fulfill its obligations under the FCRA and FDCPA after a prior dispute. No further updates or corrections are acceptable this tradeline must be removed entirely. 
I am also filing this letter as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as the continued presence of this inaccurate item is causing financial harm and constitutes a clear violation of my consumer rights. 
Please confirm in writing that this account has been removed within the required XXXX period under FCRA 1681i ( a ) ( 1 ). 
Sincerely, XXXX XXXX XXXX Last XXXX Digits : [ XXXX ] XXXX : [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation