Consumer complaint received 2026-03-24 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: MD

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding their continued reporting and attempted collection of an alleged debt that has not been properly validated and is being reported inaccurately. Timeline of Events - XX/XX/XXXX : I sent a written request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). - XX/XX/XXXX : The company responded with generic billing statements and a sale notice, which do not constitute proper validation ( Exhibit A, B ). - XX/XX/XXXX : I sent a second dispute advising that the information provided was insufficient and requested proper documentation, including a chain of assignment and proof of ownership. - XX/XX/XXXX : I sent a final notice demanding validation or deletion of the account. Despite these multiple written disputes, the company has failed to provide competent evidence of the alleged debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I requested validation of the debt. However, the company has failed to provide : - A signed agreement establishing my liability - A lawful chain of assignment identifying my specific account - Proof that they have legal standing to collect Instead, they relied on generic account statements and summary information, which do not meet the requirements for proper validation. Despite failing to validate the debt, Portfolio Recovery Associates continues to report this account to consumer reporting agencies, including : Experian Equifax TransUnion The information being reported is inaccurate and incomplete, including : The original creditor is listed as Unknown, which is misleading Conflicting account dates across credit bureaus Inconsistent reporting of dispute status The account is marked as verified despite the lack of proper validation If a debt can not be properly verified, it should not be reported. Reporting unverified information is inconsistent with the accuracy requirements of the Fair Credit Reporting Act. I believe this conduct constitutes violations of : The Fair Debt Collection Practices Act for failing to provide proper validation and attempting to collect a debt without sufficient evidence The Fair Credit Reporting Act for reporting inaccurate and incomplete information and failing to conduct a reasonable investigation The continued reporting of this unverified debt after multiple disputes is misleading and harmful and is functionally similar to debt parking practices. Despite claiming to be the current creditor ( Exhibit A ), Portfolio Recovery Associates has not provided any evidence that they extended credit to me or that I entered into any contractual agreement with their organization. I have no contractual relationship with this company, and they have failed to produce competent documentation establishing a lawful assignment of the alleged debt or their standing to collect. Without such proof, there is no legal basis for their claim, and I am not obligated to pay them.

Company response to consumer: Closed with explanation