Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX If the account can not be verified or is inaccurate, please delete or correct it and notify me. Ensure this correction applies to XXXX XXXX  all consumer reporting agencies XXXX XXXX, including secondary and specialty CRAs ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  etc I am contacting you about the compromising of my social security number. I am a Victim of a Data Breach/Identity Theft. I contacted the Federal Trade Commission and filed an FTC REPORT. I am also requesting to have an updated credit consumer report REFLECTING all unauthorized and unverifiable/fraudulent accounts to be removed in accordance with FCRA 605B ( 15 U.S.C ) 1681c-2 and Metro XXXX codes : XXXX CODE XXXX and CODE FR. IN ACCORDANCE WITH THE XXXX THE HARD INQUIRIES, UNAUTHORIZED ACCOUNTS, COLLECTIONS MUST BE REMOVED WITHIN XXXX BUSINESS DAYS. UNDER 15 USC 1681c-2 ( a ) FCRA STATUTES INACCURATE, UNVERIFIED, AND UNAUTHORIZED REPORTING 15 U.S.C. 1681b ( a ), 1681b ( f ), 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681i ( a ) ( 7 ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), 1681n, and 1681o Pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b ( a ) and 1681b ( f ) ( permissible purpose ), 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ), 1681i ( a ) ( 5 ) ( A ) ( deletion of unverifiable information ), 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) ( method of verification ), and 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), and 1681s-2 ( b ) ( furnisher duties to report accurate information and conduct a reasonable investigation ), the continued reporting of inaccurate, incomplete, misleading, or unverified information including improper late fees, incorrect payment history, or accounts reported without a valid permissible purposeconstitutes noncompliance with the FCRA. 

Failure to correct or delete such information after notice may result in civil liability for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o FCRA & METRO 2 VIOLATIONS CONSOLIDATED NOTICE Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to 15 U.S.C. 1681b ( a ) and 1681b ( f ) ( permissible purpose ), 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ), 1681i ( a ) ( 5 ) ( A ) ( mandatory deletion of unverifiable information ), 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) ( right to method of verification ), 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) ( furnisher duty to report accurately and correct errors ), 1681s-2 ( b ) ( furnisher duties after notice of dispute ), and 1681c-2 ( a ) ( identity theft blocking and deletion within XXXX ( XXXX ) business days ), the continued reporting of inaccurate, incomplete, misleading, unverified, or unauthorized information constitutes noncompliance with federal law. 
Specifically, reporting without a valid permissible purpose under 1681b, failure to assure maximum possible accuracy under 1681e ( b ), failure to conduct a reasonable reinvestigation under 1681i, failure to delete unverifiable information, failure to properly block and delete identity-theft-related accounts within XXXX ( XXXX ) business days as required by 1681c-2 ( a ), and failure of furnishers to correct or update inaccurate information after notice under 1681s-2 ( b ) are evidenced by improper or inconsistent Metro XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXXXXXX | Owner : Individual Account Loan/Account Type : Debt Buyer Account | Status : Date Reported : XX/XX/year> | Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief