Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am submitting this complaint because Portfolio Recovery Associates continues to report and collect on a disputed account despite failing to provide sufficient documentation establishing ownership, legal authority to collect, and the accuracy of the information being furnished to consumer reporting agencies. I disputed the account and requested validation, including documentation establishing Portfolio Recovery Associates ' ownership interest in the alleged debt, complete chain of title, assignment records, transfer documentation, and evidence demonstrating that Portfolio Recovery Associates has the legal authority to collect and report the account. In response, Portfolio Recovery Associates failed to provide competent documentary evidence sufficient to establish : That Portfolio Recovery Associates is the lawful owner of the alleged debt ; The complete chain of title from the original creditor to Portfolio Recovery Associates ; Assignment agreements and transfer records identifying my specific account ; Documentation demonstrating how the alleged balance was calculated ; Documentation establishing the accuracy and completeness of the information being furnished to XXXX XXXX and XXXX ; and Documentation demonstrating that a reasonable investigation was conducted following my dispute. Generic account summaries, internal records, account statements, spreadsheets, or conclusory assertions do not establish ownership of a debt or compliance with the Fair Credit Reporting Act. As a debt buyer, Portfolio Recovery Associates bears the burden of establishing that it acquired legal rights to my specific account. To date, Portfolio Recovery Associates has failed to provide account-level documentation connecting my alleged account to any purchase, assignment, or transfer. Further, Portfolio Recovery Associates continues to furnish information regarding this account to consumer reporting agencies despite my dispute and despite failing to provide sufficient documentation supporting the reporting. The continued reporting of disputed information without competent documentary evidence raises serious concerns regarding the reasonableness of Portfolio Recovery Associates ' investigation procedures and the accuracy of the information being reported. Accordingly, I request that the CFPB require Portfolio Recovery Associates to : Provide complete chain of title documentation from the original creditor to Portfolio Recovery Associates. Provide the Bill of Sale and all assignment agreements identifying my specific account. Provide all schedules, exhibits, and transfer records relied upon to establish ownership. Provide a complete accounting supporting the balance being reported. Provide all documents relied upon to verify the account with consumer reporting agencies. Explain the procedures used to investigate my dispute and verify the account. Correct or delete any information that can not be substantiated through competent documentary evidence. If Portfolio Recovery Associates can not establish ownership, authority to collect, and the accuracy of the information being furnished, the account should be deleted from all consumer reporting agencies immediately. I respectfully request CFPB intervention to ensure compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act and to prevent the continued reporting of information that can not be fully substantiated.

Company response to consumer: Closed with non-monetary relief