Consumer complaint received 2025-09-27 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: AZ

Complaint narrative:
Dear Portfolio Recovery Associates , LLC : I am responding to your continued harassment via text and phone calls that I have explicitly requested cease, this unverified and invalid alleged debt being erroneously reported to the credit bureaus, and the material damage to my credit score Portfolio Recovery Associates has caused and is continuing to cause. 

You originally contacted me about an alleged debt you are trying to collect with the below information : Seller : XXXX XXXX. Merchant : XXXX XXXX Balance : {$1600.00} I originally sent the communication below of which I received none of what I requested. 

My request re : these inappropriate communication tactics has not been acknowledged and I have continued to receive multiple texts and calls per week on this alleged debt. 

I still have not received any/all of the documentation I requested in my original communication with Portfolio Recovery Associates that I also reported to CFPB.

In addition, I have not received any signed contracts between myself and the original creditor of this alleged debt, I have not received a chain of assignment contract, I have not received a chain of title contract, I have not received any account specific statements related to this alleged debt, and I have not received the account specific statements of explanation of this alleged debt when Portfolio Recovery Associates purchased this alleged debt in which PRA claims it has legal authority to collect on this alleged debt.

As remedy of Portfolio Recovery Associates failing to abide by the stipulations of the Fair Debt Collection statutes, I am requesting that Portfolio Recovery Associates immediately : Remove this alleged debt as in collections or owed to PRA from all credit bureaus.

Cease future attempt to collect on this alleged debt and permanently close this matter.

Thank you for your cooperation in order to avoid further escalation of this issue. 





Debt Validation Request Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX Dear Portfolio Recovery Associates , LLC : I am responding to your contact about an alleged debt you are trying to collect. You contacted me by mail, on XX/XX/year> and identified an alleged debt with the below information : Seller : XXXX XXXX. Merchant : XXXX XXXX Balance : {$1600.00} Please supply the information below within 30 days of this letter to validate this alleged debt : Why you think I owe the debt and to whom I owe it, including providing : The name and address of the creditor to whom the alleged debt is currently owed and the internal account/case/reference number used by that creditor. The name and address of the original creditor, the account number used by that creditor, and the alleged amount owed to that creditor at the time it was sold to you. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. A copy of the original contract with original signature and/or any other signed agreements ( including the assignment contract ) In addition, tell me when the current creditor obtained the alleged debt and provide the contract for obtaining the alleged debt from the original creditor. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. State the amount of the alleged debt when you obtained it. State the date when you obtained the alleged debt. Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. Provide an itemization showing any payments since the last billing statement from the original creditor. State when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. State when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt, including : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please treat this debt as disputed until you provide the information requested. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief