Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate/Unverifiable Information and Demand for Permanent Deletion Violation of FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ) * * I am writing to formally dispute the following item ( s ) on my credit report. This dispute is based on my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I am specifically referencing the recent enforcement actions taken by the Consumer Financial Protection Bureau ( CFPB ) against your agency for systemic failures in conducting reasonable investigations and ensuring maximum possible accuracy. 

The specific item ( s ) I dispute are XXXX XXXX XXXX XXXX XXXX For EACH disputed item, provide specific details as they appear on your report : ] XXXX XXXX XXXX XXXX XXXX Creditor/Furnisher Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Account : XXXX XXXX [ e.g., Charge-off, Collection, Delinquent Payment, Installment Loan ] * * * Date Opened/Date of Original Delinquency : * * [ As listed on your report ] * * * Current Status : * * [ e.g., " Charged Off, '' " Collection, '' " Delinquent '' * " The * * date of first delinquency is inaccurate * * ; the correct date should be \ [ specify date ], which impacts the reporting timeframe and obsolescence.

* " This account is * * obsolete/beyond the permissible reporting period * * under 15 U.S.C. 1681c. The Date of First Delinquency ( DOFD ) shows this account is over 7 years old. '' * " This account was * * previously removed/deleted * * from my credit report, and its reinsertion constitutes an improper reinsertion in violation of FCRA. [ If you have proof of prior deletion, mention it ]. '' * " This information is * * incomplete and can not be verified * * as accurate or complete. The furnisher can not substantiate the debt or its terms. '' My rights under the Fair Credit Reporting Act are being violated by the presence of this inaccurate, incomplete, or unverifiable information. Specifically : * * * 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : * * This section requires a consumer reporting agency to conduct a " reasonable reinvestigation '' when the completeness or accuracy of any item of information is disputed by the consumer. The recent CFPB enforcement actions, such as the * * CFPB v. Experian ( XX/XX/year> ) * * and * * CFPB XXXX Equifax ( XX/XX/year> ) * *, highlight findings that your agency has engaged in " sham investigations, '' failed to consider relevant consumer-submitted information, and uncritically accepted furnisher responses, thereby failing in your statutory duty to conduct reasonable reinvestigations. 
* * * 15 U.S.C. 1681e ( b ) ( Compliance procedures ) : * * This section requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The CFPB 's findings confirm that your systems and processes have been flawed, leading to inaccurate reporting and a failure to assure maximum possible accuracy.

* * * 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) : * * While this primarily addresses furnishers, your agency has a duty under 1681i to ensure furnishers provide adequate verification. The CFPB lawsuits cited instances where credit bureaus failed to provide furnishers with consumer-submitted documentation and excessively deferred to furnishers.

Given the systemic issues identified by the CFPB, I demand a thorough, genuine, and * reasonable * reinvestigation of the disputed item ( s ) using * all * information I have provided. This includes independently verifying the accuracy, completeness, and verifiability of the information, rather than merely accepting a furnisher 's reaffirmation without critical review.

If, after a complete and reasonable reinvestigation, the disputed information can not be verified as accurate and complete, or if it is found to be inaccurate, incomplete, or otherwise non-compliant with the FCRA, I demand that it be * * permanently deleted * * from my credit report as required by * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * *. Furthermore, I expect that your agency will implement adequate measures to prevent any reinsertion of this previously deleted information, as per your obligations highlighted in the recent CFPB actions regarding improper reinsertion.

Please provide me with the results of your investigation, including a description of the procedure used to determine the accuracy and completeness of the information, and the business name and address of any furnisher contacted in connection with this dispute, within the 30-day period mandated by 15 U.S.C. 1681i.

I also request that you provide me with a corrected copy of my credit report once this item has been deleted or modified. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation