Gavin Simpson v. Portfolio Recovery Associates, LLC

CourtDistrict Court, W.D. Virginia
DecidedDecember 2, 2025
Docket5:24-cv-00094
StatusUnknown

This text of Gavin Simpson v. Portfolio Recovery Associates, LLC (Gavin Simpson v. Portfolio Recovery Associates, LLC) is published on Counsel Stack Legal Research, covering District Court, W.D. Virginia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Gavin Simpson v. Portfolio Recovery Associates, LLC, (W.D. Va. 2025).

Opinion

AT FILED VAN December 02, 2025 LAURA A. AUSTIN, CLERK BY: s/D. AUDIA IN THE UNITED STATES DISTRICT COURT OEPUTY CLERK POR THE WESTERN DISTRICT OF VIRGINIA HARRISONBURG DIVISION

Gavin Simpson, ) ) Plaintiff, ) ) v. ) Civil Action No. 5:24-cv-00094 ) ) Portfolio Recovery Associates, LLC, ) ) Defendant. )

MEMORANDUM OPINION This matter is before the court on Plaintiff Gavin Simpson’s motion to strike Defendant Portfolio Recovery Associates’ (“PRA”) affirmative defenses, (Dkt. 44), motion for judicial notice, (Dkt. 60), and motion to strike deposition testimony and impose sanctions, (Dkt. 114). For the reasons stated below, the court will deny both of Simpson’s motions to strike. The court will grant in part and deny in part Simpson’s motion for judicial notice. I. Background On July 3, 2024, PRA brought a debt collection action against Simpson in the General District Court for the County of Rockingham for failure to pay $9,683.67 due under a credit account in his name. (Dkt. 8 at 13-17.) The General District Court dismissed PRA’s debt collection action with prejudice on October 4, 2024, after PRA’s counsel for the action did not appear. (Id. at 9 (displaying a warrant in debt with handwritten notes of dismissal □□□ prejudice,” and “Def. present & requested dismissal — Plaintiff not present’’).)

On October 11, 2024, Simpson filed a complaint against PRA in the Circuit Court for Rockingham County. (Id. at 3–8.) In the complaint, Simpson claim that PRA falsely reported the “non-existent” $9,683.67 debt using Simpson’s social security number. (Id. at 5–6.) He

alleged five “legal arguments” against PRA: (1) Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681s-2(b), (2) Identity Theft and Assumption Deterrence Act, 18 U.S.C. § 1028, (3) constructive fraud, (4) credit defamation and injurious falsehood, and (5) res judicata. (Id. at 7.) PRA removed the case to federal court on November 12, 2024. (Dkt. 1.) About a week later, PRA answered the complaint and denied Simpson’s allegations. (Dkt. 6.) After a procedural dispute about Simpson’s initial request for leave to amend, the Honorable United

States Magistrate Judge Joel C. Hoppe granted Simpson’s unopposed motion for leave to amend his complaint on June 2, 2025. (Dkt. 31.) Simpson’s amended complaint brought five counts, similar to those in his original complaint: (1) fraudulent misrepresentation and deceptive practices, (2) constructive fraud, (3) defamation, (4) violation of the FCRA, and (5) identity theft. (Am. Compl. at 3–4 (Dkt. 32).) He requested $500,000 in compensatory and punitive damages, as well as “declaratory judgment finding Defendant’s actions unlawful” and

“injunctive relief prohibiting further unauthorized collection and reporting activities by Defendant.” (Id. at 3.) PRA filed an answer to the first amended complaint on June 17, 2025, which denied Simpson’s allegations and raised ten affirmative defenses. (Answer (Dkt. 42).) The following week, on June 23,1 Simpson moved to strike the “boilerplate affirmative defenses.” (Pl.’s Mot.

1 There are often discrepancies between the dates included in Simpson’s filings and the actual dates on which Simpson’s documents were filed via CM/ECF. Throughout this memorandum opinion, the court references the dates on which the documents were filed in CM/ECF. to Strike Affirmative Defenses at 1 (Dkt. 44) [hereinafter “Mot. to Strike 1”].) Simpson first argues that PRA’s answer was filed six days late and “without an accompanying motion to extend the filing deadline.” (Id.) Additionally, Simpson asserts that PRA’s ten affirmative

defenses were “insufficient under federal pleading standards and should be appropriately struck pursuant to Rule 12(f).” (Id.) Simpson asks the court to strike PRA’s affirmative defenses from its answer. (Id. at 1–3.) He also requests that the court “[d]eem admitted all well-pleaded allegations of the First Amended Complaint under Rule 8(b)(6) where no sufficient denial has been properly presented.” (Id. at 3.) In two separate filings made on July 7, PRA responded to Simpson’s motion to strike,

(Def.’s Resp. in Opp. Mot. to Strike 1 (Dkt. 51) [hereinafter “Def.’s Mot. 1 Resp.”]), and filed an amended answer, (Am. Answer (Dkt. 52)). In its response brief, PRA contends that each of its affirmative defenses provides fair notice to Simpson and thus should not be struck under Rule 12(f). (Def.’s Mot. 1 Resp. at 4–5.) PRA argues that Simpson failed to meet the burden of showing prejudice to the moving party. (Id. at 5–6.) Additionally, PRA insists that there is no basis for the court to find that its responses to Simpson’s allegations are insufficient. (Id.

at 3–4.) Simpson filed a reply brief on July 14, 2025. (Pl.’s Reply in Supp. Mot. to Strike 1 (Dkt. 55) [hereinafter “Pl.’s Mot. 1 Reply”].) On August 4, 2025, Simpson filed a motion “for judicial notice and for preclusive effect of prior state-court dismissal.” (Mot. for Judicial Notice (Dkt. 60).) He asks the court to take judicial notice of the Rockingham General District Court decision depicted in the “Warrant in Debt (DC-412) final-disposition page.” (Id. at 1.) He also argues that, given the state court’s

dismissal, this court should hold that PRA is precluded from “re-litigating debt/standing.” (Id. at 4.) He requests a range of “targeted relief,” including granting “partial summary judgment . . . that PRA lacked any enforceable right to collect the alleged account from Mr. Simpson,” “a preclusion/in-limine order barring PRA from re-litigating ownership/standing to collect

that account,” and limiting further discovery by requiring PRA to amend or strike discovery responses that “presuppose a live debt or PRA’s standing.” (Id. at 1, 6.) Simpson’s “supplemental filing” on August 8 attached the warrant in debt along with returns of service and a clerk’s letter from the initial debt collection action. (Dkt. 64 at 1.) PRA responded on August 18, arguing that a motion for judicial notice is not the place to request a legal finding as to res judicata, (Dkt. 68 at 3), and that the dismissal with prejudice does not have the

preclusive effect alleged by Simpson, (id. at 4–7). Simpson filed a reply brief on August 27. (Dkt. 69.) Following additional discovery disputes, Simpson filed his first motion for summary judgment on September 2, 2025. (Dkt. 70.) Throughout September, Simpson proceeded to file several motions and briefs “in support of” this summary judgment motion. (Dkts. 71, 74, 81.) One of these filings included a “damages matrix,” in which Simpson delineated his

computation of his alleged economic losses, emotional distress, reputational harm, statutory damages, and punitive damages. (Dkt. 74-1 at 1–10.) He also asked the court for leave to file yet another summary judgment brief at the end of the month. (Dkt. 94.) In response to Simpson’s numerous summary judgment filings, on September 23, PRA moved to strike Simpson’s “Supplemental Memorandum in support of his Rule 56 Motion,” (Dkt. 81), or, in the alternative, moved for an extension of time to respond to the brief. (Dkt.

91.) On October 3, Judge Hoppe granted PRA’s motion and denied Simpson’s motion for leave to file another summary judgment brief. (Dkt. 100.) Judge Hoppe’s order explained that Simpson’s three briefs in support of his motion for summary judgment “collectively exceed the Scheduling Order’s page limit” of 25 pages and create confusion inhibiting orderly

resolution of the motion. (Id. at 1.) Accordingly, the order struck each of the three briefs, (Dkts. 71, 74, 81), and instructed Simpson to file one brief in support of his summary judgment motion. (Dkt.

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