Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
CONSUMER COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX Company Name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX ACCOUNT INFORMATION Account/Loan Number : XXXX Product Type : Debt collection Issue Type : Credit reporting, credit repair services, or other personal consumer reports COMPLAINT DETAILS What happened : I am filing this complaint against Portfolio Recovery Associates ( XXXX XXXX XXXX account # XXXX, which appears on my Equifax credit report dated XX/XX/XXXX. My complaint focuses on a clear chronological impossibility and other serious reporting errors : XXXX. XXXX is reporting a date of first delinquency as XX/XX/XXXX, while simultaneously reporting the account opening date as XX/XX/XXXX. This is logically impossible - an account can not become delinquent before it is even opened. This factual impossibility violates basic credit reporting standards. XXXX. As a debt buyer, XXXX has failed to properly validate ownership of this alleged debt or provide proper chain of title documentation when I disputed the account. XXXX. The comments section of my report shows " Consumer disputes this account information, '' indicating I previously disputed this information, yet XXXX has failed to conduct a reasonable investigation as required by law. XXXX. My credit file has a " Fraud Victim Initial Alert '' status, which XXXX has not properly considered in their investigation and reporting. XXXX. As a debt collector, XXXX has failed to provide proper validation of the debt as required under the FDCPA, including verification of the amount and proof they are legally entitled to collect. Impact of situation : These improper debt collection and credit reporting practices have : - Damaged my credit score with unverified information - Created confusion about the actual debt and its origins - Caused emotional distress and financial hardship - Potentially subjected me to collection attempts for a debt that can not be properly validated - Impacted my ability to obtain housing, employment, and financial services Fair resolution would include : 1. Immediate removal of this account from all credit reports 2. Complete documentation of the chain of title for this alleged debt 3. Explanation for the chronological impossibility in their reporting XXXX. Proper validation of the debt including original creditor documentation XXXX. Consideration of the fraud alert on my credit file XXXX. XXXX of any collection attempts without proper validation XXXX. Compensation for damages caused by these improper practices Additional context : I believe Portfolio Recovery Associates is violating : - The Fair Credit Reporting Act ( FCRA ), particularly the requirement for accurate reporting - The Fair Debt Collection Practices Act ( FDCPA ), particularly validation requirements- Section 623 of the FCRA regarding furnisher responsibilities- The Consumer Financial Protection Act 's prohibition against unfair or deceptive practices - Various state laws regarding debt collection practices The chronological impossibility in their reporting is a clear, factual error that can be objectively verified and should be immediately corrected. I request that the CFPB investigate these practices and require Portfolio Recovery Associates to comply with all applicable laws regarding debt collection and credit reporting

Company response to consumer: Closed with non-monetary relief