Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
Subject : FORMAL REQUEST FOR DEBT VALIDATION PORTFOLIO RC ACCOUNT To Whom It May Concern, I am writing regarding the alleged collection account you are reporting under PORTFOLIO RC on my TransUnion credit report. I dispute this debt in its entirety and I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

ACCOUNT INFORMATION YOU ARE REPORTING ( FROM MY TRANSUNION REPORT ) Collection Agency : PORTFOLIO RC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Balance Owed : {$1400.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Rating : Derogatory Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection / Charge-Off Creditor Remarks : Dispute resolved; customer disagrees Original Creditor : XXXX XXXX XXXX 

This account contains missing information, contradictory data, and incomplete reporting, which raises concerns about its validity and your authority to collect. 

REQUESTED DOCUMENTATION REQUIRED BY FEDERAL LAW Under FDCPA 1692g, I request that you provide : 1. Proof That I Am Responsible for This Debt A copy of the original contract or agreement containing my signature Any documentation showing I agreed to the charges being reported Proof that I was legally obligated to the amount billed 2. Complete Accounting Breakdown Provide a full itemization of the {$1400.00} balance, including : Original principal Interest Late fees Any added charges A complete ledger showing how the balance was calculated 3. Proof of Ownership / Chain of Custody Provide : Proof of assignment or transfer from XXXXXXXX XXXX XXXX to PORTFOLIO RC Evidence that my specific account ( XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included Dates of transfer 4. Proof of Authority to Collect Provide proof that PORTFOLIO RC is authorized to collect this debt, including : The applicable state license number The governing regulatory authority 5. Internal Account Details Original account number from XXXX XXXX XXXX. 

Original date of delinquency Date the account became a charge-off Final payment amount and date FCRA REPORTING INACCURACIES Your reporting contains elements that may violate the Fair Credit Reporting Act ( FCRA ), including : Reporting a collection account as OPEN, which is inaccurate Missing payment history Missing last payment date No verification documentation Marking the dispute as resolved without providing the procedures used to verify, in violation of 15 U.S.C. 1681i ( a ) ( 7 ) Since you have not proven the accuracy or legality of this account, continued reporting may violate : FCRA 1681i Duty to reinvestigate FCRA 1681s-2 ( a ) Duty to report accurate information FCRA 1681b Permissible purpose REQUIRED ACTION Until full validation is provided : You must cease all collection activity You may not report this account to any credit bureau You may not sell, transfer, or assign this account If you can not validate the debt : Delete the PORTFOLIO RC account from TransUnion Provide written confirmation of deletion

Company response to consumer: Closed with non-monetary relief