Consumer complaint received 2025-08-26 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: MD

Complaint narrative:
Archive Move Delete XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : Request for Debt Validation To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a collection account with the following details : Creditor : Portfolio Recovery Associates Reported Balance : Approximately {$6100.00} Reported Open Date : Around XX/XX/XXXX I am writing in response to your claim that I owe a debt. This letter is not a refusal to pay, but a notice that I am requesting validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



Specifically, I am requesting that you provide the following : 1. Documentation showing that you are authorized to collect this debt.

2. A copy of the original signed agreement or contract creating the debt.

3. Verification of the amount of the debt, including how it was calculated.

4. Documentation showing that you are the current legal owner of the debt or have been assigned collection rights.

5. The name and address of the original creditor.

6. A full account history, including payments made and charges added.

Until you provide the above documentation, you must cease all collection activities, including reporting this debt to the credit reporting agencies. If you continue to report the debt without providing proper validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 



Please send your response to the address listed above. 



Sincerely, XXXX XXXX XXXX XXXX XXXX From : XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a collection account with the following details : Creditor : Portfolio Recovery Associates Reported Balance : Approximately {$6100.00} Reported Open Date : Around XX/XX/XXXX I am writing in response to your claim that I owe a debt. This letter is not a refusal to pay, but a notice that I am requesting validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting that you provide the following : 1. Documentation showing that you are authorized to collect this debt.

2. A copy of the original signed agreement or contract creating the debt.

3. Verification of the amount of the debt, including how it was calculated.

4. Documentation showing that you are the current legal owner of the debt or have been assigned collection rights.

5. The name and address of the original creditor.

6. A full account history, including payments made and charges added. 



Until you provide the above documentation, you must cease all collection activities, including reporting this debt to the credit reporting agencies. If you continue to report the debt without providing proper validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 



Please send your response to the address listed above. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief