Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$1000.00} Open balance PORTFOLIO RECOVERY Original creditor XXXX  Opened XX/XX/XXXX ( 5 yrs, 1 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Original creditor name PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX RE : Formal Dispute, Demand for Validation, Unauthorized Disclosure, and False Credit Reporting Alleged Balance : {$1000.00} To Whom It May Concern, I am formally disputing the above-referenced account and the alleged balance of {$980.00}. This letter constitutes a written dispute and demand for validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, I dispute Portfolio Recovery Associates authority to obtain, possess, use, or disclose my non-public personal information under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and applicable Pennsylvania law. 

According to my consumer credit report, Portfolio Recovery Associates is reporting this account as though it were the original creditor. This is factually untrue. Portfolio Recovery Associates did not originate this account and is therefore reporting materially false and misleading information in violation of 15 U.S.C. 1681s-2 ( a ) and 73 P.S. 201-3 of the Pennsylvania Unfair Trade Practices and Consumer Protection Law. 

Further, the balance you are reporting does not reflect the amount, if any, that Portfolio Recovery Associates paid to acquire this account from the original creditor. As a third-party debt buyer, you may not misrepresent the character, amount, or legal status of an alleged debt. Reporting an inflated or unsubstantiated balance constitutes a violation of 15 U.S.C. 1692e and 1692f, as well as Pennsylvania consumer protection law. 

Under Pennsylvania law, the statute of limitations begins to run from the date of the last payment made on the account. The dates currently being reported to the consumer reporting agencies do not accurately reflect the true date of last payment and therefore misrepresent the legal status and enforceability of the alleged debt. Reporting inaccurate dates constitutes false credit reporting in violation of 15 U.S.C. 1681 and 73 P.S. 201-3. 

As a Pennsylvania consumer, I am protected under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ), which prohibits deceptive, misleading, or unauthorized collection and credit reporting practices. 

You are hereby required to provide competent, admissible evidence of all of the following : A copy of the original signed contract or agreement bearing my signature that created the alleged obligation. 

A complete break down of all charges, payments, and dates of last payment made on the alleged account. An accounting from beginning until end of account. 

A complete and unbroken chain of title, including all assignments, purchase agreements, and bills of sale, demonstrating that Portfolio Recovery Associates has lawful ownership of this specific account. 

Documentation itemizing the exact amount paid by Portfolio Recovery Associates to purchase this account and a detailed explanation of how the reported balance was calculated. 

Documentary proof of your permissible purpose under 15 U.S.C. 1681b to access and furnish my personal information to consumer reporting agencies. 

Written authorization from me or identification of the specific statutory exception relied upon under 15 U.S.C. 6802 ( b ) that permits disclosure of my non-public personal information without my affirmative consent. 

Be advised that conclusory statements, internal account summaries, data screenshots, or form affidavits do not satisfy the validation requirements of the FDCPA, do not establish lawful authority under the GLBA, and do not meet the standards required under Pennsylvania consumer protection law. 

Until such time as the above documentation is provided, you are required to : Cease all collection activity pursuant to 15 U.S.C. 1692g ( b ) ; Cease reporting or furnishing this account to any consumer reporting agency ; and Cease further disclosure of my personal information. 

If Portfolio Recovery Associates can not fully satisfy the requirements outlined in this letter, you are required to permanently delete this account from my consumer credit reports with all consumer reporting agencies and cease any further reporting or disclosure related to this alleged debt. 

Nothing in this correspondence shall be construed as an acknowledgment of liability, an admission that any debt is owed, or a waiver of any rights or defenses. 

Any continued collection or credit reporting without first establishing lawful authority and correcting false information may constitute violations of 15 U.S.C. 1692, 1681, and 6802, as well as 73 P.S. 201-3, and will be documented for regulatory and legal review, including complaints to the Consumer Financial Protection Bureau and the Pennsylvania Office of Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief