Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request verification and documentation regarding an account that is currently being reported by your agency and appears on my credit report. Account Information : Current Creditor / Debt Buyer : Portfolio Recovery Associates Original Creditor : Unknown at this time Account Number ( Last Four Digits ) : XXXX Balance Reported : {$490.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account {$490.00} Past Due as of XX/XX/XXXX Status Last Updated : XX/XX/XXXX Credit Bureau XXXX XXXX : XXXX, XXXX, XXXX  This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 609 ( a ) ( 1 ) right to request all information in my credit file Section 611 ( a ) right to dispute and request deletion of any inaccurate or unverifiable information Section 611 ( a ) ( 7 ) right to request the method of verification used to confirm accuracy of reported information Accordingly, I request the following documentation and information : 1. The date of first delinquency on the original account 2. The date of the last payment made on the original account 3. The date the account was charged off, if applicable 4. The date the account was sold, transferred, or assigned to Portfolio Recovery Associates XXXX. The date this account was first reported to XXXX, XXXX, and XXXX  XXXX. A copy of any original contract or signed agreement that verifies this debt and includes my signature XXXX. The name and contact information of the original creditor XXXX. A full explanation of the method of verification used to confirm the accuracy of this account on my credit file Please respond to this request in writing only. I do not consent to phone, email, or text communication. I request that all responses be mailed to the address provided above for documentation purposes. If your agency can not provide full and accurate verification of this account, I respectfully request that it be deleted or corrected from all credit reports in accordance with FCRA XXXX ( a ). Thank you for your attention to this matter. Sincerely, XXXX XXXX Last XXXX digits of XXXX : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, This is a follow-up to my original complaint ( regarding Portfolio Recovery Associates , LLC [ PRA ] and the XXXX XXXX credit card account ending XXXX XXXX ) previously marked as Closed with non-monetary relief. While PRA has acknowledged ownership of the account and claimed receipt of business records from XXXX XXXX, they have failed to provide legally sufficient documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, PRA has not fulfilled the following requests, which are critical to establishing their legal right to collect : 1. Chain of Custody / Chain of Title I am requesting documented evidence of the full and unbroken chain of custody showing all transfers of ownership from XXXX XXXX XXXX Portfolio Recovery Associates. This includes : The bill of sale and assignment agreements that show PRA legally acquired the right to collect this debt Any intermediary transfers, if the debt passed through any third parties before reaching PRA Dates and terms of each assignment Without a valid, unbroken chain of custody, PRA has not proven legal standing to collect the debt. 



XXXX. Original Credit Card Agreement I am requesting a copy of the original credit card agreement from XXXX XXXX  associated with this account, including : The terms and conditions at the time the account was opened ( XX/XX/XXXX ) Proof of my signature or electronic acceptance All terms that PRA claims to now enforce ( such as interest rates, fees, and collection rights ) A generic agreement or summary is not sufficient ; I request the specific agreement linked to this account, as provided under federal law. 



XXXX. Itemized Accounting of the Alleged Debt Additionally, I request an itemized breakdown of how the current balance was calculated, including : Original balance Interest charges Late fees Any payments or adjustments The date of last payment or activity Summary of Request Until PRA provides the full documentation listed above, I assert that their claim remains unsubstantiated. Under the FDCPA, a debt collector must fully validate a debt when requested. A general statement of purchase and name matching is insufficient for full legal validation. 

I am requesting that the CFPB assist in compelling PRA to provide this documentation, or otherwise instruct them to cease collection efforts on this account. 

Thank you for your continued support in protecting consumer rights.

Company response to consumer: Closed with explanation