Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX Department XXXX. XXXX XXXX XXXX, VA XXXX Subject : Formal Debt Validation Demand Immediate Compliance Required Reference : Account Number XXXX Certified Letter Number : XXXX ________________________________________ To Whom It XXXX Concern : This communication is a formal demand for debt validation in strict accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No aspect of this letter shall be deemed an admission of liability, debt, or any related obligation. 
You are hereby ordered to cease and desist from all collection activitiescalls, threats, letters, legal filings, and credit bureau reportinguntil you provide every item of required written proof described below. 
________________________________________ DEMANDED DOCUMENTATION AND LEGAL BASIS XXXX. Original Agreement and Assignment : Provide the signed contract or agreement that allegedly created this debt. 
Supply detailed, certified proof of assignment and ownership from every prior holder to Portfolio Recovery Associates , LLC. 
See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Debt XXXX must be able to substantiate the debt and their legal right to collect it. 
XXXX. Comprehensive Debt Itemization : Deliver a breakdown of all principal, interest, fees, payments, credits, and date of last activity as defined by XXXX XXXX XXXX ( c ) and interpreted by courts in XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX clarifying itemization and date requirements. 
Clearly state all reference numbers and the itemization date. 
XXXX. XXXX and XXXX XXXX : Certify in writing that this debt is not time-barred under XXXX XXXX six-year statute of limitations ( XXXX XXXX ; see also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX. XXXX ) ). 
XXXX your New Jersey collection license and registration, including agency name and license number. Unlicensed collection is in violation of XXXX. XXXXXXXX XXXX XXXX. ; see XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ) for standing and compliance ramifications. 
XXXX. Detailed Creditor Information : Provide legal names and contact details for both the original and current creditor. 
Include documentation of all prior transfers of ownership. 
XXXX XXXX XXXX Restrictions : Confirm in writing : No derogatory information regarding this alleged debt will be reported to any credit reporting agency before and during the pendency of this dispute pursuant to the FCRA and XXXXXXXX XXXX  XXXX XXXX ( b ). 
XXXX. Dispute Rights, XXXX, and XXXX XXXX : Any settlement offers must be provided in writing and must not be construed as an admission of the debts validity unless full statutory validation is provided. 
All future communications must be in writing by certified mail only. 
________________________________________ NOTICE OF LEGAL RIGHTS AND ENFORCEMENT This demand is made pursuant to XXXX XXXX. XXXX ( b ), which prohibits continued collection activity until written validation of the debt is provided to the consumer ( XXXX XXXX XXXX XXXX XXXX. 
Any attempt to collect, threaten, or report to credit agencies prior to complete validation is a violation of XXXX XXXX. XXXX ( b ), XXXX XXXX XXXX, and Dodd-Frank Act ; see XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX 
Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Division of Consumer Affairs, and XXXX result in legal action under all cited statutes with demands for actual, statutory, and punitive damages ( see XXXX XXXX XXXX v. Thiel for state remedies and XXXX XXXX XXXX XXXX for XXXX ). 
Retain all copies for your records. This dispute and validation request revokes any prior permissions for phone, email, or automated contacts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief