Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am submitting a complaint against Portfolio Recovery Associates , LLC regarding an alleged XXXX XXXX credit card debt. Portfolio is attempting to collect and report a debt that has not been properly validated and for which the documentation they provided is inconsistent and incomplete. 

I timely sent Portfolio a written debt validation request under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). In that letter I specifically requested : ( 1 ) a copy of the original signed contract or agreement bearing my signature; ( 2 ) a complete, itemized account history showing all transactions, fees, interest, and payments; and ( 3 ) proof of purchase/assignment showing that Portfolio legally owns my specific account and has the right to collect on it.

In response, Portfolio first sent only a onepage letter with a short data summary ( account number, my name, balance, and a statement that the account was sold to them ). They did not provide any of the requested supporting records. 

After I sent a followup letter again asking for full validation, Portfolio then sent additional documents, including a XXXX XXXXXXXX billing statement and a XXXX XXXX letter stating that my account was sold or transferred to Portfolio, along with another Portfolio cover letter. However : * The numbers and information are not consistent across the documents ( different balances and dates appear, and there is no clear, itemized explanation of how the amount {$520.00} was calculated from the original account ). 

* The XXXX XXXX statement shows a different balance and no connection or chain of title that clearly ties that specific statement to the amount Portfolio is now trying to collect. 

* The XXXX XXXX now owns your account / sale letter is generic and does not include any detailed bill of sale or schedule that clearly identifies my individual account as part of the sale. 

* Portfolio still has not provided a copy of any signed contract/agreement with my signature, nor a complete transactionlevel payment history from account opening to chargeoff. 

In other words, Portfolio has only provided partial and contradictory information, not true validation. Despite my disputes, Portfolio continues to claim the debt is valid and continues to report or furnish this collection to the credit bureaus. 

I believe this conduct violates the FDCPA, including but not limited to : * 15 U.S.C. 1692g ( b ), by continuing collection and credit reporting without providing proper verification after a written dispute ; and * 15 U.S.C. 1692e and 1692f, by using false, misleading, or unfair means to collect and by attempting to collect an amount that is not properly substantiated. 

I have attached : XXXX ) My XXXX  XXXX statement showing an earlier balance and different information. 

XXXX ) The XXXX XXXX letter stating the account was sold or transferred to Portfolio. 

XXXX ) Portfolios validation letter and any other correspondence they sent in response to my disputes. 

Requested resolution : Require Portfolio Recovery Associates , LLC to provide full, complete validation of this alleged debt ( including a signed agreement, full itemization, and specific proof of purchase/assignment of my account ), or If they can not fully validate, require them to cease all collection activity on this account and request deletion of their collection tradeline from all consumer reporting agencies. 

I also request that the CFPB remind Portfolio of its obligations under the FDCPA to provide adequate validation before continuing to collect or report disputed debts.

Company response to consumer: Closed with explanation