Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern, This letter is in direct response to Portfolio Recovery Associates , LLC ( " PRA '' ) 's letter regarding the alleged XXXX XXXX XXXX XXXX account ending in XXXX. While PRA claims adherence to federal, state, and local compliance standards, the documentation and account reporting practices provided in this matter raise material legal concerns and demand further scrutiny under applicable law.

1. Inadequate Validation of Debt ( 15 U.S.C. 1692g ) Your validation letter does not satisfy the legal requirement to provide competent, verifiable proof of ownership of the debt. A mere printout of an account summary does not establish your legal right to collect or validate the debt under the Fair Debt Collection Practices Act ( " FDCPA '' ). You have not provided the following, which is required : A full and unredacted copy of the Bill of Sale from XXXX XXXX  to

PRA, identifying my specific account ; A complete chain of custody tracing this specific debt from origin to PRA ; A copy of any signed contract or application bearing my signature ; Proof that a Form 1099-C was not issued if the original creditor charged off or canceled the debt ; An itemized accounting of all charges, payments, and interest accrued since account inception. 2. Inaccurate and Misleading Credit Reporting ( FCRA Violations ) Reporting a charged-off account with an outstanding balance while refusing to provide a 1099-C or proper validation violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Providing inaccurate or incomplete information ; 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after notification of a dispute ; 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information ; FACTA 312 : Failing to provide procedures for accuracy. Your continued reporting of this debt despite my disputes, without proper validation and without updating the tradeline as disputed with documentation, is materially misleading and actionable under the Fair Credit Reporting Act ( " FCRA '' ). 3. Violation of Texas Debt Collection Act and Deceptive Trade Practices Act As a Texas resident, your actions may constitute violations of : Texas Finance Code 392.202 : Failure to investigate disputed debts ; Texas Business and Commerce Code 17.46 ( b ) : Engaging in false, misleading, or deceptive practices. 4. Cease and DesistIn accordance with the FDCPA 805 ( c ), I hereby reiterate my demand that PRA cease all further communications unless it is to provide full verification of the debt, notify me of a specific legal remedy, or confirm that collection efforts have been terminated. 5. DemandsI demand that PRA : Cease reporting this account to all credit reporting agencies until proper validation is provided ; Permanently delete this tradeline if the required documentation can not be provided ; Cease all collection efforts and acknowledge this debt as uncollectible if PRA can not furnish the above documentation. Provide copies of all relevant documents PRA used in their investigation to claim compliance. Should PRA fail to comply, I will pursue all remedies available under the FDCPA, FCRA, Texas DTPA, and other applicable consumer protection statutes, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and civil litigation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation