Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC regarding a credit card collection account that Portfolio Recovery Associates is reporting on my consumer credit file. I sent Portfolio Recovery Associates a written request for validation of this alleged debt. In that request, I asked Portfolio Recovery Associates to provide documentation proving the validity of the debt, their ownership of the account, my legal obligation to pay, the complete balance calculation, and their authority to collect and furnish this account to the consumer reporting agencies. Portfolio Recovery Associates has not provided any response or documentation validating this alleged debt. I have not received proof of ownership, a complete chain of title, a bill of sale or assignment connecting this specific account to Portfolio Recovery Associates, a signed agreement or contract establishing my legal obligation, a full payment history, or a complete itemization showing how the balance being reported was calculated. Despite failing to provide validation, Portfolio Recovery Associates continues to report and update this account on my credit reports. That is the issue. Portfolio Recovery Associates is continuing to collect and furnish a disputed account without providing the documents needed to prove that the account is accurate, legally owed, properly owned, and properly reportable. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must stop collection activity until the debt is verified and verification is mailed to the consumer. Portfolio Recovery Associates has not mailed me the validation requested, yet this account continues to be treated as collectible and continues appearing on my consumer reports. Portfolio Recovery Associates continued reporting and collection activity also raises concerns under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Continuing to represent that this debt is valid, owed, collectible, and accurately reportable without providing proof of ownership, itemization, and account-level documentation is misleading. This also raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) because Portfolio Recovery Associates is representing the character, amount, or legal status of a debt that has not been properly verified. If Portfolio Recovery Associates can not produce proof showing that it owns this specific account, that the balance is accurate, and that I am legally obligated to pay, then the character, amount, and legal status of the account remain unsupported. Portfolio Recovery Associates conduct also raises concerns under 15 U.S.C. 1692f ( 1 ) because a debt collector may not collect any amount unless that amount is expressly authorized by the agreement creating the debt or permitted by law. Portfolio Recovery Associates has not provided the agreement, itemization, payment history, or supporting documents showing that the amount being collected is authorized or properly calculated. Because Portfolio Recovery Associates is furnishing this information to the credit reporting agencies, the company also has duties as a furnisher under the Fair Credit Reporting Act. After a dispute is made through the credit reporting agencies, a furnisher must conduct a reasonable investigation and correct, delete, or modify information that is inaccurate, incomplete, or unverifiable under 15 U.S.C. 1681s-2 ( b ). I recently mailed disputes regarding this account to the credit reporting agencies because I dispute the accuracy and completeness of the information Portfolio Recovery Associates is furnishing. Portfolio Recovery Associates has already failed to respond to my direct validation request, and if it continues verifying this account through the credit bureaus without producing competent documentation, that raises serious concerns about whether any real investigation is being conducted. Portfolio Recovery Associates has not provided : Proof that Portfolio Recovery Associates owns this specific account ; A complete chain of title from the original creditor to Portfolio Recovery Associates ; A bill of sale or assignment identifying this specific account ; A signed agreement or contract establishing my legal obligation ; A complete payment history ; A full itemization showing how the balance was calculated ; Proof that the balance transferred accurately ; Proof of authority to collect ; Proof of authority to furnish this account to XXXX, XXXX, and XXXX. Without these documents, Portfolio Recovery Associates can not reasonably claim that this account is accurate, collectible, owned by Portfolio Recovery Associates, or properly reportable. The issue is not simply that I asked for validation. The issue is that Portfolio Recovery Associates is continuing to report and update a disputed collection account while failing to provide the basic documents needed to prove ownership, balance accuracy, legal obligation, and reporting authority. A generic statement that the account is verified is not sufficient. I am requesting that Portfolio Recovery Associates provide actual account-level documentation proving the account, or delete the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief