Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Portfolio Recovery Associates , LLC * * Balance Reported : * * {$780.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Remarks : * * Placed for Collection * * Complaint * * I am filing this complaint against Portfolio Recovery Associates , LLC regarding a collection account being reported on my consumer credit reports. Portfolio Recovery Associates is reporting a collection account with a balance of {$780.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and review all relevant information after receiving notice of a dispute. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means to collect debts and must possess sufficient documentation to validate debts they seek to collect or report. As a debt buyer and collection agency, Portfolio Recovery Associates must be able to demonstrate ownership of the account and provide documentation supporting the amount being reported. I have not been provided sufficient evidence establishing the validity, ownership, or accuracy of this alleged debt. I request that Portfolio Recovery Associates provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing Portfolio Recovery Associates ' ownership of the account or authority to collect it. 5. The complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the reported balance of {$780.00}. 7. Documentation establishing the date of first delinquency. 8. Documentation demonstrating that the amount being reported is accurate and supported by business records. 9. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and Metro 2 reporting standards. 10. Copies of any records used to verify the account during prior dispute investigations. The Consumer Financial Protection Bureau has repeatedly emphasized that debt collectors and furnishers must maintain adequate records to ensure the accuracy and integrity of information furnished to consumer reporting agencies. If Portfolio Recovery Associates can not provide competent evidence validating the debt, ownership, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Portfolio Recovery Associates conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with non-monetary relief