Consumer complaint received 2025-11-25 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date : XX/XX/XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DEBT VALIDATION REQUEST UNDER FDCPA ( 15 USC 1692g ) DO NOT IGNORE THIS IS A LEGALLY BINDING REQUEST To Whom It May Concern : This letter serves as a formal and lawful Debt Validation Request pursuant to 15 U.S.C. 1692g ( b ), the Fair Debt Collection Practices Act ( FDCPA ).

You are required by federal law to cease ALL collection activity, including furnishing information to any credit reporting agency, until full validation is provided. 

This notice concerns the following alleged collection accounts your company is reporting to XXXX : 1. Portfolio Recovery Associates Account Number : XXXX Balance : {$1500.00} Original Creditor : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/XXXX 2. Portfolio Recovery Associates Account Number : XXXX Balance : {$1300.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Date Opened : XX/XX/XXXX These accounts have already been disputed multiple times, and this is NOT the first attempt to obtain verification. 
Your continued reporting without lawful validation is unacceptable and illegal. 

Under 15 USC 1692g ( b ), you must provide complete verification, including : 1. The Original Contract A signed, dated agreement bearing my actual signature.

2. Proof of Ownership / Assignment Documentation establishing that Portfolio Recovery Associates legally owns or has been assigned the alleged debt.

3. Complete Itemized Accounting A full, detailed breakdown showing : All charges All fees All interest All payments Any adjustments How the alleged balances were calculated 4. Name and Address of the Original Creditor INCLUDING documentation directly from Credit One Bank, not your internal system.

5. Chain of Title From the original creditor any assignments you.

If you purchased the debt, provide proof of purchase.

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), a debt collector may not furnish information known to be inaccurate.

Under 15 USC 1692g ( b ), ALL collection activity must stop, including : Reporting to XXXX Verifying accounts with consumer reporting agencies Attempting to collect the debt Until you provide full legal validation, you are prohibited from verifying these accounts.

If you fail to provide full validation, or if you continue to report or verify the accounts, you will be in violation of : FDCPA 1692g Failure to Validate Debt FDCPA 1692c Unauthorized Communication FCRA 1681e ( b ) Failure to Maintain Accuracy FCRA 1681i Failure to Properly Reinvestigate FCRA 1681n Willful Noncompliance ( Statutory Damages ) FCRA 1681o Negligent Noncompliance ( Actual Damages ) I have suffered : Multiple credit denials Financial setbacks Emotional distress Loss of opportunities Inability to advance my life These are all documented damages admissible in civil court.

You are required to : 1. Provide FULL Legal Validation Within 30 Days Not summaries, not screenshots REAL documentation.

2. Cease Reporting Until Validation Is Complete Do NOT update, verify, or furnish any information until you comply with federal law.

3. Delete These Accounts If You Can not Validate Failure to validate requires immediate deletion from all credit bureaus.

If you fail to comply with ANY federal requirement stated above, I will move forward with : Filing complaints with the CFPB Filing a State Attorney General complaint Filing an FTC complaint Filing a civil lawsuit for damages under FDCPA & FCRA Seeking statutory, punitive, and actual damages I take these violations seriously, and I will pursue every legal remedy available. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation