Consumer complaint received 2026-03-30 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: FL

Complaint narrative:
To Whom It May Concern, This letter is regarding collection accounts that are currently being reported on my credit report. You are claiming that I owe debts that are inaccurate. Please provide validation of these alleged debts immediately. I am aware that any information reported to credit reporting agencies must be accurate and properly validated. Invalidated information must be removed from my credit reports immediately. Please note that I am not requesting verification of these debts ; I am requesting full validation. From the date you receive this letter, I request that you stop reporting this information to any credit reporting agencies until the debts have been properly validated. Continuing to report unvalidated information may violate my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). According to my credit report, the following collection accounts are being reported : Collection Agency : Portfolio Recovery Associates Balance Reported : {$240.00}. In your validation response, please provide the following : XXXX. A detailed description of what the alleged debts are for. XXXX. A complete reconciliation of each account, including how the amounts claimed were calculated. XXXX. The name and address of the original creditor. XXXX. Documentation showing when each account was last paid to the original creditor. XXXX. A copy of the original signed agreement or originating document showing legal obligation for the debts. XXXX. Proof that the statute of limitations on these accounts has not expired. XXXX. Documentation showing that your company has the legal right to collect these debts. XXXX. Your companys licensing information for collecting debt in my state, including the license number and registered agent information. If your records indicate that you are attempting to collect debts in error, you must notify me immediately by postal mail and remove any inaccurate information from my credit reports. I am closely monitoring and documenting all communications regarding these accounts. If proper validation can not be provided or if your records indicate these debts are being reported inaccurately, the errors must be corrected immediately and the accounts must be deleted from the credit bureaus reporting them. If inaccurate information continues to be reported, it may constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which may subject your company to liability and penalties. If you fail to provide the requested documentation within XXXX days of receiving this letter and instead send another billing statement or similar correspondence without addressing this request, it shall be deemed as your default and acknowledgment that : XXXX. You have no legal authority to collect this debt. XXXX. All collection activities must stop immediately. XXXX. Any further attempts to collect this debt will constitute harassment under applicable laws. Prohibitions and Documentation You are prohibited from reporting this disputed debt to any XXXX XXXX including credit reporting agencies, during the validation period. Any such reporting will be treated as a violation of the Fair Debt Collection Practices Act and other applicable laws. All communication regarding this matter must be in writing. Any attempt to falsify, alter, or misrepresent information regarding this debt will be treated as a violation of my rights and reported to the appropriate authorities. Notice of Consequences Failure to comply with this request may result in complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the appropriate state attorney general. I reserve the right to pursue all remedies available under federal and state law, including legal action for damages caused by violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Request for Acknowledgment Upon receipt of this letter, I request written acknowledgment that you will comply with the terms outlined herein, including halting all collection efforts until the debt is validated. This letter has been sent via certified mail with return receipt requested for recordkeeping purposes. All documentation related to this matter will be retained for future reference. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief