Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : CFPB Complaint Follow-Up PRA Account Ending in XXXX / XXXX  Reporting To Whom It May Concern, I am writing in response to the communication from Portfolio Recovery Associates , LLC ( PRA ) regarding the alleged XXXX  XXXX account ending in XXXX, which they claim was purchased on XX/XX/XXXX. 
While PRA asserts that the account was lawfully purchased and that they received business records from XXXX  XXXX verifying the balance, I must reiterate that no legal validation of this debt has been provided to me in accordance with my rights under FDCPA 1692g ( b ) and FCRA 1681i. 
Key Issues in PRAs Response : 1. Lack of Required Validation : PRA admits that it has " no record of a request, or a dispute being received '' relating to their initial notification letter dated XX/XX/XXXX. This is inaccurate. I have formally disputed the debt both with the consumer reporting agencies and through my XX/XX/XXXX and XX/XX/XXXX CFPB complaints. Under the FDCPA, once a debt is disputed, collection activity must cease until proper validation is provided. A statement claiming a balance and a name is not sufficient legal validation. I have not received : o A copy of the original signed contract o A full itemization of the alleged debt o The purchase/assignment agreement from XXXX  XXXX to PRA 2 . No Evidence Provided : The response references " business records '' but does not attach or produce them, nor does it offer direct evidence of PRAs legal standing to collect the debt. Without the assignment agreement or signed documentation, PRA can not legally verify ownership of the debt under the FDCPA. 
XXXX. Incorrect Position Regarding Validation Obligations : PRA incorrectly claims it is " not required to provide validation '' due to prior disputes filed with the consumer reporting agency. This assertion misrepresents federal law. Disputes sent through the credit bureaus are governed by FCRA 1681i, which requires reinvestigation and verification of disputed information. Moreover, a debt collector must respond to a direct dispute under FDCPA 1692g ( b ), especially when collection is ongoing and the debt is reported to a consumer reporting agency.

4. Reporting of Disputed Debt Without Substantiation : Continuing to report this alleged debt to XXXX  as valid, without producing proper legal documentationconstitutes a violation of FCRA 1681e ( b ) and FDCPA 1692e ( 8 ), which prohibits the communication of false, misleading, or incomplete information to third parties, particularly when a debt is disputed.

Request for Action : Given the above, I respectfully request that the Consumer Financial Protection Bureau : Require PRA to provide full legal validation of the debt as per the FDCPA. 
XXXX XXXX  to delete the account from my credit file until full validation is produced. 
Investigate PRAs misrepresentation of their obligations under the FDCPA and FCRA. 
Ensure both PRA and XXXX are held accountable for the ongoing and unlawful damage to my credit standing. 
I maintain that this debt is not valid and remains unsubstantiated. I continue to request full validation or immediate deletion of the derogatory account from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation