Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Formal Debt Validation Request under FDCPA XXXX XXXX XXXX  XXXX Account Dear Portfolio Recovery Associates, This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I recently reviewed my full credit report and discovered that you are reporting a collection account with an outstanding balance of {$490.00}, allegedly purchased from XXXX XXXX XXXX  XXXX, XXXX, opened on XX/XX/XXXX, and most recently updated as of XX/XX/XXXX. This debt is listed as past due and is actively affecting my credit report. 

As I dispute the accuracy, completeness, and legal standing of the information being reported, I am invoking my rights under 15 U.S.C. 1692g ( b ) and formally requesting full and complete validation of this debt.

Please provide the following documentation : 1. Proof that Portfolio Recovery Associates has the legal right to collect on this debt, including the purchase agreement, assignment of the debt, or chain of title from XXXX XXXX XXXX  XXXX, XXXX. 
XXXX. A copy of the original signed agreement or contract with XXXX XXXX, establishing that I owe the alleged amount. 
XXXX. A full itemized breakdown showing how the current balance of {$490.00} was calculated, including any interest, late fees, or collection charges. 
XXXX. A copy of the full payment history, especially in light of the fact that the balance has not changed despite multiple updates. 
XXXX. A written statement confirming whether this debt is still within the applicable Georgia statute of limitations for collection. 



Until you fully validate this debt : You must immediately cease all collection activities, including phone calls, letters, or legal threats, as required by 15 U.S.C. 1692g ( b ). 
You must also cease all credit reporting of this debt to any consumer reporting agencies, as governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Potential Legal Violations FDCPA, 15 U.S.C. 1692g Failure to validate a debt before collection or continued reporting.

FDCPA, 15 U.S.C. 1692e False or misleading representations in credit reporting.

FCRA, 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and correct inaccurate information. 
Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ) Unfair or deceptive practices in consumer collection. 
Georgia common law privacy rights Continued reporting of inaccurate or unverified debts constitutes reputational harm. 



Final Notice If you can not validate this debt within 30 days of receipt of this letter : You must immediately cease all collection activity, Remove the account entirely from all consumer credit reports, and Provide written confirmation that the account has been deleted. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Georgia Attorney Generals Office, and potential legal action for actual, statutory, and punitive damages under state and federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation