Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : FORMAL REQUEST FOR DEBT VALIDATION Account Reported Under : XXXX XXXX XXXX | Alleged Original Creditor : XXXX  XXXX XXXX  Account Number ( Reported ) : XXXX Current Balance Reported : {$3200.00} To Whom It May Concern, I am writing regarding the alleged debt that you are reporting under the name XXXX XXXX XXXX, which you claim to have acquired from XXXX XXXX XXXX. 
I dispute this debt in its entirety under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I am demanding full debt validation as required by law before any further collection attempts may continue. 

This account appears on my XXXX  credit report with the following details : ACCOUNT INFORMATION YOU ARE REPORTING Collection Agency : XXXX XXXX XXXX / Portfolio Recovery Associates Account Number : XXXX Original Creditor : XXXX  XXXX XXXX  Date Opened ( Reported ) : XX/XX/year> Date Reported : XX/XX/year> Current Balance Reported : {$3200.00} Past Due Amount : {$3200.00} Account Status : Open ( XXXX  ) Payment Status : Collection / Charge-Off Creditor Type : Other Collection Agencies Two-year payment history : None reported These inconsistencies, contradictions, and incomplete data raise significant concerns about the validity of the account and your ability to legally collect on it. 

REQUESTED DOCUMENTATION REQUIRED BY FEDERAL LAW Under the FDCPA, I am requesting FULL DEBT VALIDATION, including but not limited to : 1. Proof That I Am Responsible for This Debt A copy of the original signed contract bearing my signature with XXXX XXXX XXXX. 

Any document demonstrating that I agreed to this debt. 

2. Complete Accounting and Breakdown Provide : Full itemization of the alleged {$3200.00} balance Principal Interest charges Late fees Any collection fees added A copy of the last billing statement from XXXX  XXXX XXXX  Exact amount owed at the time of sale or transfer 3. Transfer of Ownership / Chain of Custody Because you claim to own/collect this debt, you must provide : The bill of sale, assignment, or transfer contract from XXXX  XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates The date the debt was transferred Proof that this specific account number was included in the sale 4. Proof of Authority to Collect Provide : Proof that Portfolio Recovery Associates is legally authorized to collect debts in Arizona Your state license number The issuing regulatory authority Proof this debt is still within the statute of limitations 5. Internal Account Details Original account number issued by XXXX XXXX XXXX Original delinquency date Date the account became a charge-off Date and amount of the final payment FCRA VIOLATIONS CREDIT REPORT INACCURACIES I have reviewed all three of my credit reports. 
The following issues indicate inaccurate reporting and potential federal violations : XXXX  reports the account as OPEN, which is impossible for a collection account. 

No date of last payment provided. 

The account is reported only on XXXX, not XXXX  or XXXX. 

No dispute notation is being applied, violating 15 U.S.C. 1681s-2 ( a ) ( 3 ).

These factors require immediate correction.

MY RIGHTS UNDER FEDERAL LAW FDCPA 15 U.S.C. 1692g ( Validation of debts ) You MUST stop all collection activity until proper validation is provided.

FCRA 15 U.S.C. 1681i If the account can not be validated, it must be deleted from my credit file.

FCRA 15 U.S.C. 1681s-2 ( a ) You may NOT report information that is inaccurate or unverifiable.

FCRA 15 U.S.C. 1681b No permissible purpose exists to report unverifiable information.

REQUIRED ACTION Until you provide full validation : You must cease all collection activity You must stop reporting this account to any credit bureau You may not sell or transfer this debt If the account can not be validated, then you must : Delete the account from XXXX  immediately Provide written confirmation of deletion If you fail to comply, I will file complaints with : Federal Trade Commission ( FTC ) Arizona Attorney General And take legal action for violations of the FDCPA and FCRA

Company response to consumer: Closed with explanation