Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Re : Debt Validation Request, Chain of Assignment, Forward Flow Agreement, and Cease & Desist Notice Account Number : XXXX Balance Claimed : {$350.00} To Whom It May Concern : I am writing to formally dispute the alleged debt referenced above and demand strict validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and under federal law, I am requesting full validation before any further collection activity. If you can not properly validate this debt, you must immediately delete it from all credit bureaus and cease collection attempts. 

DEBT VALIDATION REQUEST Pursuant to 15 U.S.C. 1692g ( b ), I request the following documentation to establish your legal authority to collect : 1. Proof of Ownership : The complete and unbroken chain of assignment from the original creditor to Portfolio Recovery Associates , LLC, including dates and legal contracts demonstrating ownership transfer. 
2. Forward Flow Agreement : A copy of the Forward Flow Agreement between the original creditor and Portfolio Recovery Associates , LLC to verify the terms under which this account was allegedly purchased. 
3. Original Creditor Agreement : The original contract bearing my signature, proving that I agreed to the alleged obligation and terms. 
4. Itemized Account Statement : A detailed breakdown of the balance claimed ( {$350.00} ), including all fees, interest, and charges from inception to present. 
5. License to Collect in My State : Proof that Portfolio Recovery Associates , LLC is licensed to collect debts in my state as required by law. 
6. Evidence of Verification with Credit Bureaus : If you have reported this alleged debt to the credit bureaus, provide documentation showing the method of verification under 15 U.S.C. 1681s-2. 

LEGAL BASIS FOR REQUEST The Court of Appeals of Virginia, in XXXX XXXX Portfolio Recovery Associates , LLC, found that Portfolio Recovery Associates failed to establish ownership of certain debts, rendering their collection attempts unlawful. If you can not provide proper documentation establishing your ownership, your continued collection efforts and credit reporting constitute violations of the FDCPA and Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1692e and 1692f, it is unlawful to use deceptive or unfair means to collect a debt. Attempting to collect a debt without proving legal ownership is a deceptive practice. Furthermore, if you do not own this debt, your collection efforts constitute fraud and misrepresentation. 

CEASE & DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication regarding this alleged debt, including but not limited to phone calls, letters, and credit reporting, unless you can provide the requested documentation proving your right to collect. 

CONSEQUENCES OF NON-COMPLIANCE If you fail to provide proper validation, you must immediately : Cease all collection activity Delete this account from my credit report under 15 U.S.C. 1681s-2 Notify all credit bureaus that the account is disputed and unverifiable Failure to comply with this request will result in my immediate legal action against Portfolio Recovery Associates , LLC for violations of the FDCPA, FCRA, and any applicable state laws. 

This letter serves as official notice under the law. You have 30 days to comply. If you do not validate this debt as required, I will pursue legal remedies, including statutory damages under 15 U.S.C. 1692k and actual damages for harm caused by your unlawful collection attempts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief