Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Dear Portfolio Recovery Associates , LLC, I am writing to formally dispute the validity of the debt associated with account number ending in XXXX, which you claim was purchased from XXXX XXXXXXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am requesting full verification of this debt, including : 1. A complete account history showing all charges, payments, and interest applied to the account from inception to charge-off.

2. A copy of the original agreement bearing my signature, or other documentation proving that I agreed to the terms of this debt.

3. Proof of the chain of custody or ownership, demonstrating that you have the legal authority to collect on this account.

4. Documentation that verifies the balance you are attempting to collect is accurate and has not been improperly increased. 
5. Any correspondence between XXXX XXXX and me regarding this account. 

It is my understanding that when you purchased this account from XXXX XXXX on or about *XXXX XXXX XXXX, you paid off the balance of ** $ XXXX, thereby extinguishing the original debt. Since there is no contractual agreement between myself and Portfolio Recovery Associates , LLC, I dispute any claim that I am obligated to repay a debt that was already satisfied through your purchase. 

Request for Compensation Due to Violations In addition to disputing the validity of this account, I am also seeking compensation for any harm caused by Portfolio Recovery Associates, LLCs actions. If you continue to report inaccurate information to consumer reporting agencies or engage in collection efforts without verifying the debt, you are in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : - **FCRA 15 U.S.C. 1681n : ** This provision entitles me to seek damages if you negligently or willfully fail to comply with the requirements of the FCRA, including the duty to report accurate information.

- **FCRA 15 U.S.C. 1681s-2 ( b ) : ** Upon notification of a dispute, you are required to investigate the dispute and correct or delete inaccurate information. If you fail to do so within 30 days, you are liable for damages.

- **FDCPA 15 U.S.C. 1692k : ** Violations of the FDCPA allow for statutory damages up to {$1000.00}, actual damages, and attorneys fees if applicable. 

If it is determined that you have violated any of these provisions by attempting to collect an invalid debt, continuing to report inaccurate information, or failing to properly investigate this dispute, I will pursue all available remedies, including statutory and actual damages, as provided by law. 

Next Steps and Final Request** If you can not provide sufficient documentation to validate this debt, I request that you : - Cease all collection efforts. 
- Remove any negative information regarding this account from all consumer reporting agencies. 
- Compensate me for any damages resulting from your failure to comply with the FCRA and FDCPA. 

Please consider this letter a formal dispute and request for compensation. I expect a response within **30 days** of receipt of this letter.

Company response to consumer: Closed with explanation