Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portofolio Recovery has attempted to collect on a a few debts and has violated several of my rights. XXXX, when they first sent notice I responded asking for additional information. As of today I have yet to receive anything. They then tried to sue me, which was later dismissed. The accounts were then sold to another collection agency, who is trying to collect on the same account. They have ignored all letters and even the original compliant I submitted and as of today have yet to produce any of the documents I am legally entitles to receive. FORMAL DISPUTE, DEMAND FOR VALIDATION & CHAIN OF TITLE TO : Portfolio Recovery Associates , LLC ________________________________________ NOTICE OF DISPUTE AND DEMAND FOR FULL LEGAL DISCLOSURE This letter serves as a formal and continuing dispute of the above referenced alleged debt pursuant to : Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Florida Consumer Collection Practices Act ( XXXX XXXX. XXXX ) ________________________________________ DOCUMENTED TIMELINE OF EVENTS The following sequence of events has occurred with respect to this account : XXXX. Portfolio Recovery Associates ( PRA ) sent an initial collection notice. XXXX. I timely disputed the alleged debt in writing and requested validation. XXXX. PRA failed to properly respond to my dispute as required by law. XXXX. PRA then initiated multiple lawsuits concerning this alleged debt. XXXX. Each lawsuit was voluntarily dismissed or dropped, demonstrating lack of standing and/or inability to prove the claim. XXXX. I subsequently received written notice that the alleged account was sold or transferred to another collection agency. XXXX. Despite this transfer, both PRA and another agency are now simultaneously attempting to collect and/or report the same alleged debt, resulting in materially inaccurate credit reporting and unlawful collection activity. This conduct constitutes deceptive, unfair, and unlawful practices under Florida and federal law. FORMAL DEMAND FOR VALIDATION & CHAIN OF TITLE Pursuant to 15 U.S.C. 1692g, 15 U.S.C. 1681s 2, and XXXX XXXX. XXXX, you are hereby required to provide the following : XXXX. Full Chain of Title ( MANDATORY ) The original purchase agreement between the original creditor and the first purchaser All subsequent assignments, bills of sale, and transfers, from origination through the present Documentation clearly showing PRAs ownership at the time each lawsuit was filed Documentation identifying the exact date the account was sold, assigned, or transferred, and to whom * * Failure to provide a complete, unbroken chain of title renders the debt unenforceable under Florida law. ________________________________________ XXXX. Proof of Standing and Authority Proof that PRA had legal standing to sue in Florida courts at the time each lawsuit was filed Proof that PRA currently has any legal authority to collect if the account has been sold Written explanation of how multiple collection agencies are attempting to collect the same account, in violation of XXXX XXXX. XXXX ( XXXX ) ( attempting to collect a debt not owed or not legitimate ) ________________________________________ XXXX. Account Level Documentation Original signed contract or application bearing my signature Complete payment history from account opening through charge off Itemized accounting of the alleged balance, including fees and interest Date of default, charge off date, and last payment date * * Please note : Under XXXX XXXX. XXXX ( XXXX ) ( b ), the statute of limitations for written contracts in Florida is XXXX ( XXXX ) years. Any attempt to collect time barred debt violates XXXX XXXX. XXXX ( XXXX ) and XXXX ( XXXX ). ________________________________________ XXXX Credit Reporting Disclosures Dates PRA furnished information to XXXX XXXX XXXX XXXX XXXX XXXX Certification that all reported information was complete, accurate, and verifiable at the time of reporting Explanation for any reporting after the account was sold or transferred Knowingly reporting or continuing to report inaccurate information violates 15 U.S.C . 1681s 2 and XXXX XXXX. XXXX ( XXXX ). ________________________________________ NOTICE TO CEASE UNLAWFUL ACTIVITY Until all documentation requested above is provided : You must cease all collection efforts You may not report or continue reporting this account to any credit reporting agency Continued activity will constitute willful and knowing violations, subject to : o Actual damages o Statutory damages o Attorneys fees and costs o Injunctive relief ________________________________________ DEMAND FOR REMOVAL If PRA can not produce every document requested, you are required to : Immediately cease all collection activity Request deletion of this account from XXXX XXXX XXXX XXXX Confirm deletion in writing ________________________________________ NO ADMISSION This dispute is submitted without admission of liability and without acknowledgment of the validity of the alleged debt. All responses must be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief