Product: Credit reporting or other personal consumer reports

Subject : Portfolio Recovery Associates- Failure to Validate Debt and FCRA Violation I am filing a complaint against Portfolio Recovery Associates for failing to validate a debt as required by law and for continuing to report inaccurate and unverifiable information on my credit report. 

On XX/XX/year>, I sent a debt validation request via certified mail to Portfolio Recovery Associates. They received my request on XX/XX/year>. In response, they sent the following : Statements from the original creditor showing amounts, interest rates, fees, and charges. 

No purchase agreement or chain of assignment to prove their legal ownership of the debt. 

No agreement bearing my signature establishing that I agreed to the terms of the alleged debt. 

This response fails to meet the requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA Violations Portfolio Recovery Associates is also violating the Fair Credit Reporting Act ( FCRA ) by reporting this account to credit bureaus without proper validation. Specifically : 15 U.S.C. 1681s-2 ( a ) : Requires debt collectors to ensure that the information reported to credit bureaus is accurate and verifiable. Reporting an unvalidated debt violates this provision. 

15 U.S.C. 1681i ( a ) : Gives consumers the right to dispute inaccurate or unverifiable information. Since Portfolio Recovery Associates can not validate the debt, this account is unverifiable and should be removed from my credit report. 

Section 623 ( a ) ( 8 ), debt collectors are required to provide validation of a debt when requested before they continue reporting the information to credit bureaus. Failing to do so violates my rights as a consumer under the FCRA. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within XXXX days of submission. It has now been more than XXXX days since the debt collector received my request, and Portfolio Recovery Assoc has failed to respond to the request. 



As per the law, since the debt collector has not responded to my request within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the Portfolio Recovery Assoc from my credit report immediately as the debt collector has failed to verify the accuracy of the reported information within the statutory period. 

Harm to Consumer The continued reporting of this unvalidated debt has negatively impacted my credit score and financial standing. Additionally, their refusal to provide proper documentation prevents me from resolving the matter. 

Resolution Requested I respectfully request the CFPB to investigate Portfolio Recovery Associates for their : Failure to validate the debt. 

Violations of the FCRA and FDCPA. 

Require them to : Provide proper validation of the debt, including a signed agreement and proof of assignment. 

Delete the account from my credit report if they can not validate the debt. 

I have attached evidence to support my complaint, including my certified mail receipt, their response, and copy of my debt validation letter request. 

Thank you for your assistance in resolving this matter.