Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
Dear, PORTFOLIO RECOVERY ASSOC This letter constitutes a formal demand for validation and verification of the alleged debt in the amount of {$2900.00} that you are attempting to collect. This demand is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable laws. I hereby dispute the validity of the alleged debt in its entirety and demand that you cease all collection activities until proper validation is provided. 

Please treat this as a legal dispute and provide the following documents and evidence, in full and without delay, listed in order of legal relevance : I. LEGAL STANDING & AUTHORITY 1 ) Complete Chain of Title : All documentation proving your legal right to collect this debt, including the full chain of assignment from the original creditor to your company. 
XXXX ) Original Signed Contract : A copy of the original signed agreement or contract that created the alleged debt, bearing my signature. 
XXXX ) Transfer and Sale Agreements : Complete copies of any and all contracts or agreements that evidence the assignment, sale, or transfer of the alleged debt to your company, including the bill of sale and flow agreement. 
XXXX ) Proof of Ownership of the Debt : Legal documents establishing that you currently own the alleged debt and are not merely acting on behalf of another entity. 
5 ) Statute of Limitations Verification : Detailed verification that this alleged debt is not time-barred under my states statute of limitations for debt collection.

6 ) Authorization to Collect in My State : Proof that you are legally licensed or otherwise authorized to collect debts in the state where I reside. 

XXXX. VALIDITY & CALCULATION OF DEBT 7 ) Identity of the Original Creditor : The full legal name, address, and contact information of the original creditor associated with this account. 
XXXX ) Complete Payment History : A full account history, including all debits, credits, interest, fees, and charges from the accounts inception to the present, showing how the balance of XXXX was calculated. 
XXXX ) Proof of No Insurance Claim : Written evidence that no insurance claim ( e.g., credit insurance or debt cancellation coverage ) has been filed or paid out on this account. 
10 ) Debt Itemization : A clear breakdown of the principal, interest, late fees, collection costs, and any other charges included in the amount claimed.

11 ) Signed Authorization to Collect : Any agreement or document signed by me authorizing your company to collect on behalf of the original creditor or subsequent assignee.

III. COMPLIANCE & TRANSPARENCY 12 ) Debt Verification Statement : A sworn affidavit or certified statement from a competent custodian of records attesting to the validity and enforceability of the alleged debt. 
XXXX ) Date of Debt Default : The date the alleged debt went into default or was charged off. 
14 ) Credit Reporting Status : A statement confirming whether this debt has been reported to any credit bureau and under what terms.

15 ) Communications Log : A record of all communications your company has had with me or any third parties regarding this account. 
Until you provide the above documentation and validation in full, you are legally required to cease all collection activities, including : Contacting me by phone or mail regarding this debt, Reporting or continuing to report the debt to any credit reporting agency, and Taking any legal action or threat thereof. 

Please be advised that any attempt to collect this debt without proper validation is a direct violation of the FDCPA and will be documented for formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

I request that you respond to this demand within 30 days of receipt. Failure to provide complete validation will be construed as a waiver of your claim and a permanent cessation of all collection efforts on this matter. 

Sincerely,

Company response to consumer: Closed with explanation