Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against Portfolio Recovery Associates , LLC ( XXXX ) regarding multiple alleged accounts being reported and/or collected in my name. Attached to my complaint was a formal debt validation and accuracy dispute requesting competent documentary evidence necessary to verify the legality, ownership, completeness, and accuracy of the alleged debts. The disputed accounts include : XXXX XXXXXXXX XXXX account ending in XXXX ; XXXX XXXX XXXX account ending in XXXX ; XXXX XXXX XXXX account ending in XXXX. In my dispute, I specifically requested : the original signed agreement and contract, proof of chain of ownership, proof of assignment, the Date of First Delinquency ( DOFD ), a full accounting history, proof of authority to furnish and verify information with consumer reporting agencies, and documentation supporting PRAs legal authority to collect and report the accounts. XXXX responded by providing limited account statements and notices indicating that certain XXXX XXXX XXXX accounts were sold to PRA. However, PRAs response still failed to fully validate the disputed accounts or fully address the accuracy and completeness concerns raised in my complaint. Specifically, PRA failed to provide : 1. The Date of First Delinquency ( DOFD ) for the alleged accounts ending in XXXX, XXXX, and XXXX ; XXXX. The actual charge-off dates for the accounts ; XXXX. A complete delinquency and payment progression history ; XXXX. The purchase agreement or bill of sale establishing the transfer of the alleged accounts ; 5. Complete chain-of-title documentation showing ownership from the original creditor to PRA without any break in the chain ; 6. A signed agreement or contract bearing my signature ; 7. Documentary evidence authorizing PRA to furnish, update, or verify information concerning my consumer reports ; 8. A complete accounting history from the original creditor through charge-off and transfer ; 9. Documentation identifying the investigation procedures used to verify the disputed information after receipt of my dispute. Although PRA stated that it completed its investigation and reviewed records, PRA did not explain : what records were reviewed, whether original creditor records were examined, whether the investigation involved manual review or automated verification, or how PRA determined that the disputed information was accurate and complete for furnishing purposes. Providing isolated billing statements and generalized sale notices does not fully establish the legal enforceability, ownership, completeness, or reporting accuracy of the alleged debts. Additionally, the absence of the DOFD and charge-off dates prevents me from independently verifying whether the accounts are being reported within the lawful reporting period under the FCRA and Metro 2 reporting standards. Because PRA continues to verify and furnish these accounts despite failing to fully provide the requested information and documentation, there remains substantial concern regarding : the adequacy of PRAs investigation, the accuracy and completeness of the furnished information, and PRAs compliance with FCRA 1681s-2 ( b ) concerning reasonable investigation obligations. The accounts therefore remain formally disputed as inaccurate, incomplete, insufficiently verified, and unsupported by complete documentary evidence.

Company response to consumer: Closed with non-monetary relief