Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am responding to the debt collectors claim that the debt has been validated. Their collection actions are in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. FDCPA Violations 1. Failure to Provide Proper Notice of Debt 15 U.S.C. 1692g ( a ) The collector is required to send a written validation notice within five ( 5 ) days of the initial communication. Instead, notices were knowingly sent to the wrong address. This deprived me of my statutory right to dispute the debt within 30 days, a direct violation of 1692g. Furthermore, I sent a CERTIFIED letter requesting that the validation be sent to me at my home address and you still sent documentation to an address that doesnt belong to me. 2. False and Misleading Representations 15 U.S.C. 1692e ( 2 ) ( A ) & 1692e ( 10 ) The transaction statements provided by the collector reflect amounts that do not match the amounts they are attempting to collect. Misrepresenting the character, amount, or legal status of any debt and using false representation or deceptive means to collect or attempt to collect is explicitly prohibited under 1692e. 3. Unfair or Unconscionable Means 15 U.S.C. 1692f ( 1 ) Attempting to collect an amount not authorized by the agreement or permitted by law constitutes an unfair practice. The collectors reliance on incorrect figures and absence of proper notice renders their collection activity unlawful under 1692f. FCRA Violations 1. Duty to Provide Accurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) As a furnisher, the collector has a legal obligation not to furnish information that is inaccurate. Reporting or attempting to collect a debt using inconsistent and incorrect balances constitutes furnishing false information in violation of 1681s-2 ( a ). 2. Duty to Conduct Reasonable Investigation 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) Following my dispute, the collector responded through the CFPB portal by asserting that the debt was validated. This response fails to meet the requirements of 1681s-2 ( b ), as the collector did not conduct a reasonable investigation. The debt remains unsupported by accurate documentation, the amounts are inconsistent, and no validation notice was properly delivered to my correct address. Summary of Violations FDCPA 1692g ( a ) Failure to send validation notice to correct address. FDCPA 1692e ( 2 ) ( A ), 1692e ( 10 ) False and misleading representation of debt amounts. FDCPA 1692f ( 1 ) Collection of amounts not authorized by contract or law. FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies. FCRA 1681s-2 ( b ) ( 1 ) ( A ) ( D ) Failure to conduct a reasonable investigation after dispute.

Relief Requested 1. Immediate cessation of all collection activity related to this account. 2. Permanent deletion of the account from all consumer reporting agencies. 3. Written confirmation from the debt collector and all consumer reporting agencies that this account has been deleted and will not reappear. Conclusion : The collectors actions demonstrate ongoing noncompliance with both the FDCPA and FCRA. Until they fulfill their statutory obligations, any attempt to collect, verify, or report this account remains unlawful. I request that the CFPB take enforcement action to ensure this account is removed.

Company response to consumer: Closed with explanation