Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
Date : XXXX XXXX Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Disputes Dept. RE : Account # XXXX ( in the amount of XXXX ) Formal Dispute, Cease & Desist, Debt Parking Violation NOTICE : CEASE & DESIST / VALIDATION DEMAND/ NOT A REFUSAL TO PAY To Whom It May Concern : I received your XX/XX/XXXX letter acknowledging my dispute. However, you placed this alleged debt on my credit reports before providing any initial communication with XXXX validation rights. This debt parking violates FDCPA, FCRA, and FTC guidance. You must immediately remove the trade line. CEASE AND DESIST Under 15 U.S.C. 1692c ( c ) and XXXX. Fin. Code 392.202, CEASE ALL COMMUNICATION with me except to : ( 1 ) confirm you have stopped collection/credit reporting, or ( 2 ) provide full validation below. Any further contact ( calls, letters, continued reporting ) will be treated as willful violation. Under XXXX. Fin. Code 392.202, because you reported this dispute to credit bureaus, you must cease all collection efforts including reporting pending investigation. GREEN v. PORTFOLIO RECOVERY ( XXXX App. XXXX ) In XXXX v. XXXX, XXXX XXXX XXXX. XXXX, 897 S.E.2d 275, the court held PRA lacked standing to sue because it could not trace chain of title through incomplete bills of sale and unsubstantiated spreadsheets. You are the same debt buyer you bear the same burden. Without a verifiable chain from XXXX XXXX to you, you lack standing to collect or report this debt. XXXX PROTECTIONS ( TDCA Ch. 392 ) 392.202 : Upon written dispute, you must cease collection ( including reporting ) until investigation complete. 392.101 : Demand is made for your XXXX surety bond number, amount, and surety company. 392.307 : XXXX SOL for credit cards is XXXX years ( XXXX. XXXX. XXXX. & XXXX. XXXX ). If timebarred, you can not threaten suit. CIVIL REMEDIES Under XXXX. Fin. Code 392.403, I may sue for actual damages, injunctive relief, and attorneys fees. Violations of XXXX carry not less than {$100.00} per violation. XXXX DTPA NOTICE ( XXXX. XXXX. & XXXX. XXXX ) You have engaged in deceptive practices : debt parking, failure to validate, misrepresenting standing. I intend to seek actual, statutory, and treble damages plus attorneys fees if not cured within 60 days of your receipt. DEMAND FOR VALIDATION ( XXXX XXXX. XXXX & XXXX. Fin. Code XXXX ) Provide within 30 days : 1. Flow Agreement ( XXXX XXXX PRA ) 2. Transfer of Assignment / chain of title ( per XXXX v. PRA ) 3. Unredacted Bill of Sale linking to my account # XXXX 4. Original signed contract with XXXX XXXX XXXX XXXX XXXX surety bond info ( 392.101 ) SUMMARY DEMANDS 1. CEASE AND DESIST all communication. 2. IMMEDIATELY REMOVE this trade line from Equifax, Experian, TransUnion. 3. Provide the XXXX documents above. 4. Confirm in writing that collection/reporting has ceased. If you can not provide the original signed contract and complete chain of assignment, you must permanently delete this item from my credit reports and cease all collection efforts. Failure to comply will result in complaints to CFPB, Texas Attorney General, FTC, and XXXX, plus legal action under FDCPA, FCRA, XXXX Finance Code Ch. 392, and XXXX XXXX for statutory, actual, treble damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief