Consumer complaint received 2025-11-02 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: MD

Complaint narrative:
This is approximately my TENTH complaint against Portfolio Recovery Associates , LLC regarding the same alleged debt. PRA has had numerous opportunities to provide proper validation and has consistently failed to do so. Their pattern of behavior demonstrates either an inability or unwillingness to substantiate this debt.

Pattern of Evasion : Over multiple CFPB complaints spanning months, PRA has repeatedly claimed to provide validation while submitting only : Periodic billing statements from XXXX XXXX, redacted bill of sale documents Never the original signed credit agreement Never account-specific assignment documentation Each time, PRA claims this constitutes validation. Each time, I explain why it doesnt. Each time, PRA repeats the same inadequate response.

The Smoking Gun - Credit Bureau Removal : The most revealing evidence of PRAs inability to substantiate this debt : when I indicated I would file federal court action, PRA IMMEDIATELY removed all credit bureau reporting.

This is not the action of a company confident in their documentation. If PRA had proper proof of debt ownership and my obligation, they would defend it in court. Instead, they removed the reporting the moment they faced potential judicial scrutiny. This strongly suggests PRA knows their documentation can not withstand legal examination. 
Latest Misleading Response : In their XX/XX/year> response to CFPB complaint # XXXX, PRA claimed no other contract between XXXX XXXX and PRA is required to validate the account. This statement reveals they either dont understand or are deliberately evading validation requirements. 
Im not asking for a contract WITH PRA. Im requesting proof that : 1. I signed an agreement with XXXX creating this debt XXXX. PRA legally purchased MY specific account ( not just accounts in bulk ) 3. The claimed amount is accurate After 10+ Complaints, Still No Validation : Despite approximately ten CFPB complaints, multiple court filings, and direct requests spanning months, PRA has never provided : The original signed credit card agreement with XXXX XXXX assignment documentation showing MY account was transferred to PRA Any documentation that would establish standing to enforce this alleged debt Harassment Through Repetition : At this point, PRAs continued attempts to collect without providing validation - despite having been asked XXXX times through official channels- constitutes harassment. They know whats required, theyve been told repeatedly, and they continue to provide inadequate documentation while claiming its sufficient. 
Legal Context : PRA obtained a Maryland district court judgment that was VACATED under Rule 3-611 for improper service PRA removed all credit bureau reporting when I indicated federal court action PRA has never paused collection during validation disputes What This Pattern Demonstrates : A company with proper documentation doesnt : Ignore 10+ validation requests Provide the same inadequate documents repeatedly Remove credit reporting the moment federal court is mentioned Continue collection attempts for months without ever producing the underlying contract

Company response to consumer: Closed with explanation