Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/year> To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX REPORT NUMBER XXXX CC : Federal Trade Commission Report Number XXXX CC : Pennsylvania Office of Attorney General : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Subject : Continued Dispute of Alleged Debt Demand for Cease and Desist, Investigation, and Remedies To Whom It May Concern, I am writing regarding the alleged debt your office continues to attempt to validate and collect, which is being reported on my credit file. I have formally disputed this account multiple times, and yet Portfolio Recovery Associates continues to send generic billing statements as so-called validation. These repeated actions blatantly disregard my lawful dispute and fail to satisfy the proper requirements under federal law. 

Let me be very clear : I continue to dispute this alleged debt, and I demand that your agency cease all collection activities and stop reporting this invalid debt to the credit bureaus immediately. 

Violations Committed by Portfolio Recovery Associates : XXXX. Failure to Provide Proper Validation Under the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ), I requested a full validation of the alleged debt. Your office continues to respond with generic statements rather than a full breakdown of the alleged debt, the original creditors name, the contract bearing my signature, and proof that you have legal standing to collect. 

XXXX. Failure to Mark Account as Disputed According to XXXX XXXX. XXXX ( XXXX ), your agency is required to communicate that the debt is disputed to any credit reporting agency. Your failure to do so is deceptive practice and harms my creditworthiness. 

XXXX. Reporting Inaccurate Information FCRA Violation Under XXXX XXXX. XXXX of the Fair Credit Reporting Act, data furnishers are required to report accurate and verifiable information. Reporting a disputed, invalid, or unverified debt is a violation of federal law. 

XXXX. Debt Potentially Invalid Due to Sale or Discharge This account appears to have been sold or transferred multiple times. If it has been discharged or written off by the original creditor, it is no longer legally collectible. This may constitute fraud by inducing false contracts or collections based on voided claims. 

XXXX. Violation of U.S. Treasury Reporting Standards Your credit reporting and handling of debt do not appear to follow proper procedures recognized by the XXXX XXXX XXXX XXXX ( TFM ) for delinquent debts. Any attempt to collect or report government-related debts must follow these guidelines or be considered erroneous. 







Demand for Action : I demand you cease and desist all collection attempts immediately. 
Delete or update this account on all consumer credit reports to reflect its disputed and invalid status. 
Provide full and proper validation, including original contract with my signature, a full accounting of the debt, and proof of ownership or assignment. 
Confirm within XXXX days your compliance with these requests. 
I reserve the right to pursue remedies, including formal complaints with the FTC, Consumer Financial Protection Bureau ( CFPB ), XXXXXXXX XXXX XXXXXXXX XXXX, and to seek civil penalties and damages under XXXXXXXX XXXX XXXX. 

You are hereby notified that any further reporting or collection actions without full validation will be considered continued in willful noncompliance and may result in legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation