Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
You have ( re ) investigated this trade line, you have to investigate and report the investigation in 5 days. You shall give investigation process in 5 days. 

Portfolio Recovery Associates , LLC, et al XXXX XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX Subject : Debt Validation Request and Demand for Removal from Consumer Reports Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding an alleged debt that you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally request a full and complete validation of this alleged debt. 
To properly validate this debt, I demand the following documentation : Proof of Debt Provide a signed agreement bearing my wet ink signature that clearly establishes my liability for the debt in question. 
Chain of Assignment Provide a complete and unbroken chain of assignment demonstrating your legal right to collect this debt. This must include all assignments, transfers, or sales from the original creditor to Portfolio Recovery Associates. 
Insurance Information If any insurance claim was made in relation to this alleged debt, provide documentation showing whether an insurance payment was received, and if so, how that affects the balance you are attempting to collect. 
Valid Proof Beyond a Mere Statement Be advised that, per XXXX XXXX XXXXXXXX XXXX, a mere statement of account is insufficient to validate a debt. Do not submit a simple statement as validation, as it will not fulfill your legal obligation under the FDCPA. 
Additionally, this alleged debt is currently being reported on my consumer report. If you are unable to validate the debt with the required documentation, you are obligated by federal and state law to immediately remove this trade line from all consumer reporting agencies and cease all collection activities. Failure to do so constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). 
Can you provide proof of ownership? Can you provide full account records? 
Engaging in unfair and deceptive business practices. Upon providing proof, present a living man or woman statement signed under the penalty of perjury. 
You have 15 days from the date of this letter to provide the requested validation. If you fail to do so, it will be construed as acquiescence that you have no legal claim to this debt. Silence is acquiescence. If proper validation is not provided within this timeframe, you must : Remove this alleged debt from all consumer reporting agencies. 
Cease all collection activities related to this debt. 
Delete this alleged debt from your records. 
Portfolio Recovery Associates ( PRA ), a subsidiary of PRA Group, has faced multiple legal actions from the Consumer Financial Protection Bureau ( CFPB ) and consumers due to alleged violations of debt collection laws. 
CFPB Actions Against PRA : 2015 CFPB Consent Order : In XX/XX/XXXX, the CFPB ordered PRA to pay over {$27.00} XXXX in consumer refunds and penalties for deceptive debt collection practices. The CFPB found that PRA : Collected on unsubstantiated debts. 
Filed misleading affidavits in debt-collection actions. 
Misrepresented its intent to prove debts if consumers contested them. 
Attempted to collect debts beyond the statute of limitations without proper disclosures. 
These actions violated the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). 
Consumer Financial Protection Bureau 2023 CFPB Enforcement : In XX/XX/XXXX, the CFPB alleged that PRA violated the XXXX consent order and continued engaging in illegal debt collection practices, including : Collecting on unsubstantiated debts. 
Failing to provide required documentation to consumers. 
Filing lawsuits without possessing necessary documentation. 
Suing to collect debts beyond the statute of limitations. 
Failing to properly investigate and resolve consumer disputes regarding credit reporting. 
The CFPB proposed a court order requiring PRA to pay {$24.00} XXXX, including {$12.00} XXXX in consumer refunds. 
Consumer Financial Protection Bureau Notable Consumer Lawsuits : XXXX XXXX Portfolio Recovery Associates , LLC ( XXXX ) : The XXXX XXXX XXXX XXXX XXXX held that PRA 's collection letter offering to " settle '' a time-barred debt without disclosing that partial payment could revive the statute of limitations was deceptive, violating the FDCPA. 
XXXX XXXX XXXX Portfolio Recovery Associates , LLC ( XXXX ) : PRA filed a warrant in debt against XXXX XXXX. The circuit court ruled in favor of PRA, but XXXX appealed, arguing that PRA lacked standing and that her counterclaim was not heard. The appellate court reversed and remanded the case for further proceedings. 
XXXX XXXX XXXX Violations by PRA : Collecting debts without proper validation or substantiation. 
Filing lawsuits without necessary documentation. 
Attempting to collect debts beyond the statute of limitations without appropriate disclosures. 
Misrepresenting the amount or status of debts. 
Failing to investigate and resolve consumer disputes regarding credit reporting. 
Failure to comply will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also consider seeking legal action for violations of the FDCPA and FCRA. Also, The American Arbitration Association via the original contract. 
This letter serves as my demand for debt validation. I expect your full compliance within the specified time frame. Silence is acquiesced. If you cant present all of the specified demands, its the same as going silent. 
Please validate this claim signed by a man or woman under the penalty of perjury.

Company response to consumer: Closed with explanation