Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
XXXX XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) To Whom It May Concern : I am writing in response to your collection attempt and demand for payment regarding the alleged debt listed under XXXX. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request validation of the debt. 
Please be advised that I do not acknowledge or accept any liability for this alleged debt and hereby request that you provide proper and complete validation. The term " validation '' includes, but is not limited to, the following : 1. A copy of the original contract or original purchase agreement that created the alleged debt. The contract must include signatures from all parties. Any agreement sent must be with the original creditor and must include original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. Copies of any communications, statements, correspondence sent by the original creditor to me regarding the alleged debt.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3. Also included a full accounting history from the original creditor including the date and amount of each payment and Date of First Delinquency leading to the collection status.

4. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of Mississippi, including your third-party debt collection bond.

6. Also send proof that you send the legally required notices to me before reporting the alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXXXXXX make clear that it debt parking without proper notices is a violation of consumer rights. 

Until these items are provided, you are prohibited by law from continuing collection activities, including reporting this debt to credit reporting agencies, pursuing legal action, or contacting me further, except to provide the requested validation. 
Please also note that any attempt to collect a debt without proper validation may constitute a violation of the FDCPA and could result in legal action, including the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 
This letter shall also serve as a formal notice to cease and desist from any further contact until the debt has been validated. 
Sincerely,

Company response to consumer: Closed with non-monetary relief