Debt collection -- False statements or representation -- Complaint #16531783
Complaint Overview
Complaint ID: 16531783
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 76092
Date Received: 2025-10-12T12:00:00-05:00
Date Sent to Company: 2025-10-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates ( PRA ) is furnishing demonstrably inaccurate and materially misleading information to XXXX XXXX reporting agencies regarding an alleged XXXX XXXX account. PRA reports a fabricated Date of Last Activity : XX/XX/2025, despite no verified consumer activity or documentary evidence supporting that date. This conduct constitutes re-aging and the furnishing of false information in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Specifically, PRAs continued reporting of this unverified tradeline violates FCRA obligations to ensure accurate reporting and to reinvestigate disputed information ( see 15 U.S.C. 1681i ( a ) and 1681s-2 ), and it constitutes communication of false credit information prohibited under the FDCPA ( see 15 U.S.C. 1692e ( 8 ) ). I previously disputed this tradeline through XXXX and requested validation under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), including : proof of ownership or assignment from XXXX XXXX, a complete transaction/payment history, a copy of any signed agreement relied upon, and verification of the correct Date of Last Activity. PRA has failed to produce any competent documentary evidence validating ownership, assignment, or the alleged balance, yet continues to furnish and update the tradeline monthly. PRAs actions amount to willful or negligent noncompliance with the FCRAs reinvestigation and accuracy requirements and the FDCPAs prohibition on false or misleading representations. I demand immediate deletion of this unverifiable tradeline from all consumer reporting agency files and written confirmation that PRA has permanently ceased all furnishing and collection activity related to this account.
Frequently Asked Questions
What is Complaint #16531783 about?
Complaint #16531783 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-12T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Portfolio Recovery Associates, LLC?
Yes, visit the Portfolio Recovery Associates, LLC company profile at readthecomplaint.com/company/portfolio-recovery-associates-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.