Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX Product : Debt collection Account Number : XXXX I. Summary of Complaint I dispute both the validity of the underlying debt allegedly acquired from XXXX ( Acct. # XXXX ) and the manner in which PRA , LLC has attempted to collect it. Specifically : No Contractual Obligation : I have never entered into any agreement or contract with PRA, LLC. Portfolios purchase of the debt from XXXX does not create a new contract with me. Under general contract principles and FDCPA case law ( Heintz v. Jenkins, 514U.S.291 ( 1995 ) ), PRA must demonstrate a valid assignment and the signature-bearing agreement before it can collect. No such documentation was produced.

Failure to Validate Debt ( FDCPA 1692g ) : I timely sent PRA a Debt Validation Request by certified mail. Under 15U.S.C. 1692g ( b ), PRA was required to cease collection and supply proof of the debts validityoriginal contract, chain of title, and itemization. To date, I have received no such documentation, yet PRA continues reporting and collecting on this account.

Misleading and False Representations ( FDCP

A 1692e ) : PRAs statements implying a valid, enforceable obligation are false and misleading. Threats to resume collection or litigation absent valid proof violate 15U.S.C. 1692e ( 2 ) ( misrepresentation of amount ) and 1692e ( 5 ) ( false threats ).

Unfair Practices ( FDCPA 1692f ) : Continuing to collect and report an unvalidated debt constitutes an unconscionable means of collection in violation of 15U.S.C. 1692f. PRAs use of form investigation letters without genuine review of documents also breaches this provision. 

Statute of Limitations Notice Confusion : PRAs mailed notice claimed the statute of limitations had expired but simultaneously stated it will NOT sue even if I acknowledge the debt. This contradictory language misleads consumers about their rights and potentially induces paymentanother 1692e violation.

No Arbitration Offer : The original XXXX agreement provided for consumer arbitration. PRA never offered me or disclosed any arbitration process or my right to arbitration upon transfer, in breach of both the Federal Arbitration Act and general contract notice requirements.

II. Legal Violations Statute Requirement Violation by PRA 15U.S.C. 1692g ( b ) Must validate debt upon dispute ; cease all collection until validation provided. No documentation produced ; collection continues.

15U.S.C. 1692e Prohibits false or misleading representations about debt status or legal consequences. Implying enforceable debt without proof ; contradictory statute of limitations notice.

15U.S.C. 1692f Bans unfair or unconscionable collection methods. Continued collection of unvalidated debt ; boilerplate investigation without actual review.

III. Requested Relief Cease Collection & Reporting : Immediate suspension of all collection efforts and removal of the tradeline from all credit reporting agencies.

Debt Validation : Provide complete documentationoriginal signed agreement, full chain-of-title, payment history, and assignment documents.

Statutory Damages : Under 15U.S.C. 1692k ( a ) ( 2 ) ( A ), award statutory damages up to {$1000.00} for PRAs FDCPA violations.

Actual Damages & Fees : Compensation for emotional distress, time spent, and attorneys fees under 1692k ( a ) ( 3 ).

Arbitration Disclosure : Provide evidence of arbitration terms and offer the arbitration process as originally contracted. 

IV. Closing Portfolio Recovery Associates , LLC has repeatedly violated my federal rights under the FDCPA by collecting and reporting a debt without a valid contract or documented validation, making misleading statements, and employing unfair collection practices. I request prompt CFPB intervention, regulatory enforcement, and corrective action. 

Respectfully submitted, XXXX

Company response to consumer: Closed with explanation