Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX : Final Notice Demand for Full Validation and Immediate Deletion of the Following Accounts under FCRA & FDCPA To Whom It May Concern, This letter serves as your final notice regarding the following accounts that you are unlawfully reporting and attempting to collect : PORTFOLIO | Account # : XXXX | Type : Collection | Balance : {$450.00} PORTFOLIO RC | Account # : XXXX | Type : Collection | Balance : {$450.00} You are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by furnishing unverified, inaccurate, and incomplete information to the credit reporting agencies. 

Under FCRA 15 U.S. Code 1681s-2, a data furnisher must not provide any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Under FCRA 1681i, once a dispute is initiated, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. If this account was verified using the automated e-Oscar system without reviewing original supporting documents, then your process fails to meet the legal standard of a reasonable investigation. 

I am formally demanding full validation and verification, including : A signed, original contract bearing my wet signature with the original creditor A full itemized breakdown showing exactly how the alleged balance was calculated A complete flow sheet / chain of custody showing all transfers and assignments of the account, including sale dates and amounts Proof that you are licensed to collect debt in the state of Illinois The full name, title, and contact of the individual who verified this debt Documentation confirming this debt was not verified using the e-Oscar system Let me be absolutely clear : A copy of a previous bill is NOT validation. 
A statement generated by you or the original creditor is NOT validation. 
A letter that simply says the debt is valid without supporting documentation is NOT validation. 
If you can not provide these documents, then you are reporting inaccurate and unverifiable information which is a clear violation of FCRA 1681s-2 and 1681i. 
If you fail to comply with this demand within 30 days, you are required by federal law to immediately delete these accounts from all credit bureaus, including Experian, Equifax, and TransUnion. 

Failure to remove these accounts or provide proper validation will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A complaint with the Illinois Attorney General And a civil lawsuit for willful noncompliance under FCRA and FDCPA, including defamation and damages for emotional and financial harm All communication must be in writing only. 

Sincerely, XXXX XXXX XXXX DOB XXXX XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief