Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
Re : Debt Validation Request Pursuant to 15 U.S.C. 1692g Formal Dispute of Alleged Debt Account Number : XXXX To Whom It May Concern : This letter is being sent in response to your attempt to collect a debt, and your reporting of such alleged debt to consumer reporting agencies. Be advised that this is a formal dispute of the validity of the alleged debt and a demand for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Until you provide complete validation as required by law, you must cease all collection efforts and remove any reporting to consumer credit reporting agencies. 
1. Demand for Full and Proper Validation You are hereby required to provide the following : A complete accounting of the alleged debt, including a breakdown of the principal, interest, fees, and other charges.

A copy of the original signed contract or agreement that legally obligates me to pay the debt.

Proof that you are legally authorized to collect this debt, including chain of assignment from the original creditor. 
Verification that this debt is within the applicable statute of limitations.

A detailed explanation of how the amount was calculated.

A copy of your license to collect debts in my state, as required by state law.

Failure to provide any of the above constitutes a failure to validate this debt under federal law. 
2. Reporting to Credit Bureaus & Metro 2 Compliance If you are currently furnishing information about this alleged debt to any credit reporting agency, you are required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), to only report complete and accurate information.

I am also asserting my rights under Metro 2 reporting standards, which dictate how furnishers must report consumer account information. If you are reporting this account as past due, in collections, or otherwise derogatory while the debt is in dispute and unvalidated, that is a direct violation of Metro 2 guidelines and may also constitute defamation of character, negligent reporting, and willful noncompliance under the FCRA.

3. CFPB Oversight & Complaints The Consumer Financial Protection Bureau ( CFPB ) has made it explicitly clear that failure to adequately validate a debt, while continuing to collect or report it, is grounds for regulatory enforcement. If you do not comply with this request, I will not hesitate to file a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

4. Relevant Case Law Let me remind you of legal precedent relevant to your obligations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : The court held that simply stating a balance owed does not constitute debt validation. Supporting documentation must be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Continued collection efforts without adequate validation violate XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Inaccurate reporting while under dispute was found to be misleading and in violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : interprets verification to mean some evidence showing that the debt exists and that the collector has the right to collect it- not just a restatement of the balance. 
XXXX. Notice to Cease and Desist Until proper validation is provided : You are to cease all collection activities, including phone calls, letters, emails, or any other communication. 
You are to cease all credit reporting related to this account. 
You are not permitted to sell, transfer, or assign this alleged debt to any third party while it remains under dispute. 
Any violation of this notice or failure to comply will result in immediate legal action, including but not limited to : Formal complaints with federal and state regulators. 
Potential litigation under 15 U.S.C. 1692k and 1681n/o, seeking actual, statutory, and punitive damages, as well as attorneys fees.

6. Deadline You have 30 days from the date of receipt of this letter to provide full validation of the alleged debt. If you fail to respond in a timely and legally sufficient manner, you forfeit any further right to enforce or report this alleged debt.

I strongly urge your compliance with all applicable laws. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation