Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/year> Subject : Urgent Complaint Against Portfolio Recovery Associates for Continued FDCPA and FCRA Violations Dear CFPB, I am filing this complaint to formally report Portfolio Recovery Associates , LLC for ongoing, malicious, and unlawful debt collection and credit reporting practices that have directly violated my legal rights under both federal and state laws. 

Despite my repeated efforts to resolve this issue respectfully and legally, PRA continues to harass me, ignore written requests, and maliciously harm my credit profile by furnishing inaccurate, unverifiable, and unauthorized information to as many as XXXX credit bureaus, including XXXX. 

Background : I have sent XXXX written requests demanding debt validation and an assignment contract, as required under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Instead of proper validation, PRA has only responded with generic credit card statements, which do not satisfy legal debt validation requirements. 

They refuse to disclose how much they purchased the alleged debt for, which is a critical part of proving ownership. 

As you know, once a debt is charged off, it is often transferred into a structured trust and pooled with other debts. In these cases, the ownership becomes obscured, and third-party collectors like PRA often lack proper legal standing to collect or report the debt.

After I sent a cease and desist letter, PRA ignored it and then went so far as to report the account to XXXX, escalating their malicious actions after I legally revoked their right to contact me. 

Legal Violations : FDCPA 809 ( b ) 15 U.S.C. 1692g ( b ) : PRA failed to provide proper validation of the debt despite multiple written requests. Their vague replies with generic billing statements are not sufficient proof under the FDCPA.

FDCPA 805 ( c ) 15 U.S.C. 1692c ( c ) : I clearly submitted a cease and desist letter, yet PRA has continued to contact me indirectly through reporting, which is a violation of my right to be left alone under the law. 

Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : PRA has reported this debt without complete or accurate investigation, which is a violation of their duty to report only verifiable, complete, and accurate data.

The Grim Bail Leach Act ( referring to the Fair Debt Buyer Practices Act and elements of consumer protection law often referenced in financial trust violations ) : PRAs likely involvement in purchasing pooled debts from a trust without proper legal assignment or chain of custody creates serious standing and jurisdiction issues. If they can not prove ownership through contract assignment, they have no legal authority to collect or report this alleged debt. 

Violation of My Due Process Rights : I was never properly notified of any assignment or sale of the debt, nor was I presented with any opportunity to dispute this before it was maliciously placed on my credit report. This is deceptive, harmful, and intended to coerce payment under duress. 

My Demands : Immediate removal of any and all entries from Portfolio Recovery Associates on all credit reporting agencies, including XXXX, XXXX, XXXX, and any others they may have contacted.

A formal investigation into PRAs continued violations and refusal to honor consumer protection laws.

PRA must be permanently barred from ever contacting me again in writing, phone, email, or courier, and be prohibited from furnishing information about this alleged debt in the future.

I request that PRA be fined or penalized for their pattern of abuse against not just myself but other consumers who have also reported similar misconduct.

This is a matter of abuse of the credit system, and PRA has demonstrated repeated, intentional violations of law. Their actions have affected my ability to rebuild my credit, and their refusal to follow federal law is unacceptable. 

Please treat this complaint as urgent and respond with appropriate action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation