because they continued reporting ) XXXX. Investigate PRA 's furnishing of materially inaccurate information : - Wrong dates ( 5 days off from their own CFPB statement ) - Wrong original creditor ( 2 out of 3 bureaus incorrect ) 4. Require PRA to explain why they report different dates to CFPB vs. credit bureaus 5. Require PRA to explain why they report three different original creditors '' across three bureaus 6. Require PRA to CORRECT all inaccurate information OR DELETE both accounts immediately XXXX. Require PRA to provide actual debt validation or admit they can not validate 8. Investigate whether PRA has made similar false statements in other CFPB complaint responses 9. Investigate whether PRA has a pattern of furnishing inaccurate information to credit bureaus 10. Impose penalties for : - Making false statements to federal regulators - Pattern of FDCPA violations - Pattern of furnishing inaccurate information under FCRA 11. Refer this matter for enforcement action due to pattern of violations across multiple federal laws EVIDENCE I CAN PROVIDE : - PRA 's XX/XX/XXXX response to CFPB ( showing false statement about ceasing communications AND showing correct transfer dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit reports dated XX/XX/XXXX ( showing recent activity and inaccurate dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit monitoring alerts dated XX/XX/XXXX

What the CFPB Record Shows About because they continued reporting ) XXXX. Investigate PRA 's furnishing of materially inaccurate information : - Wrong dates ( 5 days off from their own CFPB statement ) - Wrong original creditor ( 2 out of 3 bureaus incorrect ) 4. Require PRA to explain why they report different dates to CFPB vs. credit bureaus 5. Require PRA to explain why they report three different original creditors '' across three bureaus 6. Require PRA to CORRECT all inaccurate information OR DELETE both accounts immediately XXXX. Require PRA to provide actual debt validation or admit they can not validate 8. Investigate whether PRA has made similar false statements in other CFPB complaint responses 9. Investigate whether PRA has a pattern of furnishing inaccurate information to credit bureaus 10. Impose penalties for : - Making false statements to federal regulators - Pattern of FDCPA violations - Pattern of furnishing inaccurate information under FCRA 11. Refer this matter for enforcement action due to pattern of violations across multiple federal laws EVIDENCE I CAN PROVIDE : - PRA 's XX/XX/XXXX response to CFPB ( showing false statement about ceasing communications AND showing correct transfer dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit reports dated XX/XX/XXXX ( showing recent activity and inaccurate dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit monitoring alerts dated XX/XX/XXXX

because they continued reporting ) XXXX. Investigate PRA 's furnishing of materially inaccurate information : - Wrong dates ( 5 days off from their own CFPB statement ) - Wrong original creditor ( 2 out of 3 bureaus incorrect ) 4. Require PRA to explain why they report different dates to CFPB vs. credit bureaus 5. Require PRA to explain why they report three different original creditors '' across three bureaus 6. Require PRA to CORRECT all inaccurate information OR DELETE both accounts immediately XXXX. Require PRA to provide actual debt validation or admit they can not validate 8. Investigate whether PRA has made similar false statements in other CFPB complaint responses 9. Investigate whether PRA has a pattern of furnishing inaccurate information to credit bureaus 10. Impose penalties for : - Making false statements to federal regulators - Pattern of FDCPA violations - Pattern of furnishing inaccurate information under FCRA 11. Refer this matter for enforcement action due to pattern of violations across multiple federal laws EVIDENCE I CAN PROVIDE : - PRA 's XX/XX/XXXX response to CFPB ( showing false statement about ceasing communications AND showing correct transfer dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit reports dated XX/XX/XXXX ( showing recent activity and inaccurate dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit monitoring alerts dated XX/XX/XXXX has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 0 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to SIGN, and the most recent logged activity is SIGNIFICAN, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, because they continued reporting ) XXXX. Investigate PRA 's furnishing of materially inaccurate information : - Wrong dates ( 5 days off from their own CFPB statement ) - Wrong original creditor ( 2 out of 3 bureaus incorrect ) 4. Require PRA to explain why they report different dates to CFPB vs. credit bureaus 5. Require PRA to explain why they report three different original creditors '' across three bureaus 6. Require PRA to CORRECT all inaccurate information OR DELETE both accounts immediately XXXX. Require PRA to provide actual debt validation or admit they can not validate 8. Investigate whether PRA has made similar false statements in other CFPB complaint responses 9. Investigate whether PRA has a pattern of furnishing inaccurate information to credit bureaus 10. Impose penalties for : - Making false statements to federal regulators - Pattern of FDCPA violations - Pattern of furnishing inaccurate information under FCRA 11. Refer this matter for enforcement action due to pattern of violations across multiple federal laws EVIDENCE I CAN PROVIDE : - PRA 's XX/XX/XXXX response to CFPB ( showing false statement about ceasing communications AND showing correct transfer dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit reports dated XX/XX/XXXX ( showing recent activity and inaccurate dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit monitoring alerts dated XX/XX/XXXX reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "they would know correct dates and original creditor ) 2. PRA can not verify the accuracy of information they report ( inconsistent across bureaus and contradicts their own CFPB statements ) 3. PRA is reporting different information to different entities : - Told CFPB : XX/XX/XXXX and XX/XX/XXXX - Told Credit Bureaus : XX/XX/XXXX and XX/XX/XXXX - Told XXXX : Original creditor is Portfolio Recovery A '' - Told XXXX : Original creditor is Collection '' - Told XXXX : Original creditor is XXXX XXXX '' 4. PRA 's inaccurate reporting is damaging my credit score CREDIBILITY CONCERNS : PRA 's conduct raises serious concerns about their credibility and business practices : 1. They claimed to CFPB they ceased communications FALSE ( continued reporting ) 2. They claim accounts are valid NO PROOF ( never provided validation ) 3. They claim to have investigated '' NO DOCUMENTATION ( zero docs provided ) 4. They report dates to credit bureaus INACCURATE ( 5 days off from their own CFPB statement ) 5. They report original creditor INACCURATE ( wrong on 2 out of 3 bureaus ) 6. They claim accounts meet FCRA requirements '' FALSE ( reporting during validation period and reporting inaccurate information ) HARM SUFFERED : These unvalidated collection accounts with inaccurate information are : - Damaging my credit score significantly - Preventing me from obtaining credit", and the single most common underlying issue is "and employment opportunities - Causing me severe emotional distress and financial harm - Based on information PRA can not verify and that contains material inaccuracies PATTERN OF VIOLATIONS : PRA has demonstrated a pattern of : - Making false statements to federal regulators - Violating FDCPA by collecting during validation - Furnishing inaccurate information to credit bureaus - Inconsistent reporting across bureaus - Reporting information that contradicts their own statements- Refusing to provide documentation despite multiple requests REQUESTS : 1. Investigate PRA 's false statement in their XX/XX/XXXX response claiming they ceased communications '' - they did not cease".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating because they continued reporting ) XXXX. Investigate PRA 's furnishing of materially inaccurate information : - Wrong dates ( 5 days off from their own CFPB statement ) - Wrong original creditor ( 2 out of 3 bureaus incorrect ) 4. Require PRA to explain why they report different dates to CFPB vs. credit bureaus 5. Require PRA to explain why they report three different original creditors '' across three bureaus 6. Require PRA to CORRECT all inaccurate information OR DELETE both accounts immediately XXXX. Require PRA to provide actual debt validation or admit they can not validate 8. Investigate whether PRA has made similar false statements in other CFPB complaint responses 9. Investigate whether PRA has a pattern of furnishing inaccurate information to credit bureaus 10. Impose penalties for : - Making false statements to federal regulators - Pattern of FDCPA violations - Pattern of furnishing inaccurate information under FCRA 11. Refer this matter for enforcement action due to pattern of violations across multiple federal laws EVIDENCE I CAN PROVIDE : - PRA 's XX/XX/XXXX response to CFPB ( showing false statement about ceasing communications AND showing correct transfer dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit reports dated XX/XX/XXXX ( showing recent activity and inaccurate dates of XX/XX/XXXX and XX/XX/XXXX ) - Credit monitoring alerts dated XX/XX/XXXX: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.