Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/year> VIA CFPB PORTAL & CERTIFIED MAIL Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Dispute of Alleged Account XXXX  XXXX Account Ending in XXXX CFPB Ref No : XXXX Complainant : XXXX XXXX To Whom It May Concern, This letter serves as my formal, final dispute of the above-referenced account that you claim to own. Let me be absolutely clear : I do not owe this debt. Portfolio Recovery Associates is not the legal owner of this account, and you have failed to provide lawful validation. 

XXXX XXXX has already admitted this account was sold to you on XX/XX/year>. However, they also failed to provide any direct evidence that I ever applied for, used, or authorized this account. Therefore, you purchased nothing more than an unvalidated, disputed account, and you have no legal right to collect or report it. 

Under federal law, PRA is in violation of multiple statutes : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Once a debt is disputed, collection activity must cease until proper validation is provided. To date, PRA has failed to provide : A signed original application or agreement proving I opened this account, A complete account history and itemized billing, Proof of ownership and assignment from XXXX  XXXX showing you have lawful authority to collect. 

Without these, you are attempting to collect a debt you can not prove exists. 

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) PRA, as a furnisher, is required to conduct a reasonable investigation into disputes and correct or delete false information. Continuing to report an account that has been repeatedly disputed and unvalidated constitutes willful noncompliance. 

Lack of Legal Standing A debt buyer can not enforce or report an account unless it can prove a valid chain of title, assignment, and consumer liability. PRA has provided none of this. Without such proof, any attempt to collect is unlawful and constitutes fraudulent misrepresentation. 

My Demands : Immediately cease all collection and reporting activity on this account. 

Delete this account from all credit reporting agencies ( XXXX, XXXX, XXXX  ). 

Provide written confirmation that PRA does not own, and can not legally collect on, this alleged account. 

Cease and desist from further communications unless you can provide full and lawful validation. 

If PRA continues its unlawful conduct, I will escalate by : Filing additional complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and the Office of the Comptroller of the Currency ( OCC ), Referring this matter to my State Attorney General, Initiating civil litigation seeking damages under 15 U.S.C. 1692k ( FDCPA ), 15 U.S.C. 1681n and 1681o ( FCRA ), and applicable state consumer protection laws.

This is your final warning. Portfolio Recovery Associates has no lawful standing on this alleged debt, and I will hold you fully accountable for continued violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief