Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
Portfolio Recovery Associates , LLC * * ALL YOU DO IS LIE!!!!!!!!!!!!!!!!!!!!!!!! 
verify the debt!!!!!!!!!!!!!!!!!!!!!!!! 
stop calling me, you continue to call me daily!!!!!!!!!!!!!!!!!!!!!!!!!!! 
CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) * Pennsylvania Attorney General XXXX XXXX XXXX XXXX XXXX  Subject : Formal Debt Dispute XXXX Account Ending in XXXX | Demand for Immediate Deletion and Cease of Communication * * This letter is a * * formal dispute * * of the debt you allege I owe under XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my debt * *. I demand * * immediate removal * * from all credit bureaus and a * * complete halt to all communications * *, including harassing phone calls and letters, in accordance with my rights under federal and state law. 

Your continued attempts to collect this debt without proper verification, despite no legal basis or ownership proof, is not only * * false and misleading * * but also * * illegal * *. 

MAJOR LEGAL VIOLATIONS BY XXXX REPEATED CFPB ORDERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Consent Order \ {$27.00} XXXX Fine * * XXXX was sanctioned for : * Collecting * * unsubstantiated debt * * without proof * Filing * * false affidavits * * * * * Threatening legal action * * without intent or legal authority * Suing on * * time-barred debt * * without disclosing this to consumers * * Sources : * * * [ consumerfinance.gov ( XXXX ) ] ( XXXX XXXX XXXX  ) * [ XXXX ] ( XXXX XXXX XXXX XXXX * [ jacksonlaws.com ] ( XXXX XXXX XXXX  ) -- - * * XXXX CFPB Action Repeat Violations * * Despite the XXXX order, XXXX : * * * Continued collecting debts * * without documentation * * * Sued on expired debts * * * * * Ignored credit reporting disputes * * * Issued * * millions in illegal letters and lawsuits * * * * Sources : * * * [ consumerfinance.gov ( XXXX ) ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ jacksonlaws.com ] ( XXXX XXXX XXXX  ) -- - STATE-LEVEL CRACKDOWNS * * Massachusetts Attorney General Enforcement * * XXXX was forced to pay * * \ {$4.00} XXXX * * for : * Collecting debts they XXXX * couldnt verify * * * Misleading consumers about * * protected ( exempt ) income * * * Suing on * * time-barred debt * * * * * Withholding information * * about consumer rights * * Sources : * * * [ XXXX ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] ( https : //www.consumerfinance.govXXXX ) -- - # # # * * COURT RULINGS * * * * * Alaska Supreme Court ( XXXX ) : XXXX XXXX XXXX XXXX XXXX failed to prove ownership * * or debt details. Damages awarded to consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Virginia Court of Appeals ( XXXX ) XXXX XXXX XXXX XXXX default judgment overturned. XXXXXXXX XXXX XXXX failed to prove standing * *, violating FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  North Carolina XXXX XXXX XXXX XXXX ) : * * XXXX settled, paid XXXX * \ {$5000.00} * * to plaintiff, vacated default judgments, * * cancelled collection suits on old debt * *. 
[ the-sun.com ] XXXX XXXX XXXX XXXX ) -- - # # LAWS YOU VIOLATED -- - FDCPA ( Fair Debt Collection Practices Act ) * * * 1692g ( b ) : * * You failed to verify the debt after request * * * 1692d : * * Harassment via calls and false claims * * * 1692e : * * Misrepresentation of the debt and legal status * * * 1692c ( c ) : * * Continued contact after cease demand * * Sources : * * * [ consumerfinance.gov ] ( https : //www.consumerfinance.gov ), [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA ( Fair Credit Reporting Act ) & Regulation V * * * * * 1681s-2 ( b ) : * * Failed to investigate dispute * * * 1681i : * * No reinvestigation or resolution provided * * * 1681e ( b ) : * * Inaccurate information reported -- - # # # * * CFPB / DoddFrank / CFPA * * * Engaged in * * unfair, deceptive, abusive acts or practices ( UDAAPs ) * * * Violated prior consent orders and * * continued illegal practices * * -- - DEMANDS -- - 1. * * IMMEDIATE DELETION * * of the XXXX Account ending in XXXX XXXX XXXX XXXX XXXX from all credit bureaus 2. * * WRITTEN CONFIRMATION * * that you have ceased all collection efforts and will not contact me again 3. * * VALIDATION OF DEBT * * : * Full account documentation * Signed contract with original creditor * Chain of title and ownership * Itemized charges and payments -- -Here is your letter with * * all em dashes ( ) and dashes ( - ) * * completely removed and replaced with appropriate punctuation or structure for clarity : -- - XXXX XXXX XXXX XXXX LLC ALL YOU DO IS LIE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

CC : XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Pennsylvania Attorney General -- - Subject : Formal Debt Dispute Regarding XXXX Account Ending in XXXX Demand for Immediate Deletion and Cease of Communication This letter is a formal dispute of the debt you claim I owe under XXXX Account ending in XXXX. This is not my debt. I demand immediate removal from all credit bureaus and a complete stop to all communications, including harassing phone calls and letters, in accordance with my rights under federal and state law. 

Your continued attempts to collect this debt without proper verification, despite lacking legal basis or ownership proof, is not only false and misleading but also illegal. 

-- - MAJOR LEGAL VIOLATIONS BY XXXX REPEATED CFPB ORDERS IN XXXX AND XXXX XXXX CFPB Consent Order Fined XXXX \ {$27.00} XXXX XXXX was sanctioned for : Collecting unsubstantiated debt without proof Filing false affidavits Threatening legal action without intent or legal authority Suing on expired debt without disclosing this to consumers Sources : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX Confirmed Repeat Violations Despite the XXXX order, XXXX : Continued collecting debts without documentation Sued on expired debts Ignored credit reporting disputes Issued millions in illegal letters and lawsuits Sources : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - STATE LEVEL CRACKDOWNS Massachusetts Attorney General XXXX XXXX was forced to pay \ {$4.00} XXXX for : Collecting debts they could not verify Misleading consumers about protected income Suing on expired debt Withholding information about consumer rights Sources : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.consumerfinance.govXXXX XXXX XXXX XXXX COURT RULINGS Alaska Supreme Court XXXX XXXX failed to prove ownership or debt details. Damages were awarded to the consumer. 
Sources : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX of Appeals XXXX PRAs default judgment was overturned. XXXX failed to prove standing, violating the FDCPA. 
Sources : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XXXX settled and paid \ {$5000.00} to the plaintiff, vacated default judgments, and canceled collection suits on expired debt. 
Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAWS YOU VIOLATED FDCPA Fair Debt Collection Practices Act Section 1692g ( b ) : Failure to verify the debt after request Section 1692d : Harassment through calls and false claims Section 1692e : Misrepresentation of the debt and legal status Section 1692c ( c ) : Continued contact after cease demand Sources : [ XXXX : XXXX ] ( https : //www.consumerfinance.gov ) [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) FCRA Fair Credit Reporting Act and Regulation V Section 1681s-2 ( b ) : Failure to investigate the dispute Section 1681i : No reinvestigation or resolution provided Section 1681e ( b ) : Inaccurate information was reported CFPB Dodd Frank Consumer Financial Protection Act Engaged in unfair, deceptive, and abusive acts or practices Violated prior consent orders and continued illegal practices -- - DEMANDS 1. Immediate deletion of the XXXX Account ending in XXXX from all credit bureaus 2. Written confirmation that you have ceased all collection efforts and will not contact me again 3. Full validation of the alleged debt including : Complete account documentation Signed contract with the original creditor Chain of title and legal ownership Itemized list of charges and payments -- - I will file formal complaints with the following agencies : Federal Trade Commission Pennsylvania Attorney General State Bar Associations XXXX XXXX XXXX I will also consult an attorney and pursue civil action under the FDCPA and FCRA seeking : Statutory damages Attorney fees Injunctive relief Court ordered deletion of this account -- - SUMMARY XXXX has a long history of violating federal and state law, as shown by repeated enforcement actions and legal rulings. Your behavior in this matter trying to collect a debt that is not mine, refusing to verify it, continuing to contact me, and damaging my credit fits into this pattern of documented abuse. 

You are legally required to do the following : Cease and desist all contact with me Remove this account from all credit reports Provide full documentation of any alleged debt Confirm all of the above in writing * I will file formal complaints with : FTC * * * * * Pennsylvania XXXX * * * * * State Bar Associations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will consult an attorney and pursue * * civil action * * under FDCPA and FCRA for : * Statutory damages * Attorney fees * Injunctive relief * * * Court-ordered deletion * * -- - XXXX is a * * repeat violator * * of federal and state law, as proven in multiple enforcement actions and lawsuits. Your actions toward meattempting to collect a debt that is not mine, refusing to verify it, continuing to contact me, and harming my creditare part of a long-documented pattern of abuse. 

-- - You are hereby * * legally required * * to : * Cease and desist all contact * Remove the debt from credit reports * Provide full documentation * Confirm compliance in writing

Company response to consumer: Closed with non-monetary relief