Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing regarding the alleged collection account you are reporting under PORTFOLIO RC on my credit reports. This account is currently being reported by TransUnion, Experian, and Equifax. I dispute this debt in its entirety and I am requesting full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as well as my rights under the Fair Credit Reporting Act ( FCRA ).

ACCOUNT INFORMATION YOU ARE REPORTING ( FROM MY CREDIT REPORTS ) Collection Agency : PORTFOLIO RC Original Creditor : XXXX  XXXX, XXXX. 

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Balance Owed : {$1400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Rating : Derogatory Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection / Charge-Off Creditor Remarks : Dispute resolved; customer disagrees This account contains missing information, contradictory data, and incomplete reporting, which raises serious concerns about its validity, accuracy, and your authority to report and collect this alleged debt.

REQUESTED DOCUMENTATION REQUIRED BY FEDERAL LAW Pursuant to FDCPA 1692g, I request that you provide the following : 1. Proof That I Am Responsible for This Debt A copy of the original contract or agreement containing my signature Documentation showing I agreed to the charges being reported Proof that I was legally obligated to the amount billed 2. Complete Accounting Breakdown Original principal Interest Late fees Any additional charges A complete ledger showing how the {$1400.00} balance was calculated 3. Proof of Ownership / Chain of Custody Proof of assignment or transfer from XXXX  XXXX, XXXX. to PORTFOLIO RC Evidence that my specific account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was included Dates of transfer 4. Proof of Authority to Collect Proof that PORTFOLIO RC is authorized to collect this debt Applicable state license number Governing regulatory authority 5. Internal Account Details Original XXXX  XXXX account number Original date of delinquency Date the account became a charge-off Final payment amount and date FCRA REPORTING INACCURACIES Your reporting contains elements that violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : Reporting a collection account as OPEN, which is inaccurate Missing payment history Missing last payment date No verification documentation Marking the dispute as resolved without providing the procedures used to verify, in violation of 15 U.S.C. 1681i ( a ) ( 7 ) Since you have not proven the accuracy or legality of this account, continued reporting may violate : FCRA 1681i Duty to reinvestigate FCRA 1681s-2 ( a ) Duty to report accurate information FCRA 1681b Permissible purpose REQUIRED ACTION Until full validation is provided : You must cease all collection activity You may not continue reporting this account to any credit bureau You may not sell, transfer, or assign this account If you can not validate this debt : Delete the PORTFOLIO RC account from TransUnion, Experian, and Equifax Provide written confirmation of deletion

Company response to consumer: Closed with non-monetary relief