Consumer complaint received 2026-03-09 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:
XX/XX/year> {$3800.00} Would like to get the debt validated. Portfolio Recovery Re : Demand for Debt Validation Dear Sir or Madam : This letter is a formal request for validation of the debt referenced above, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). I dispute this debt in its entirety. I have no knowledge of owing XXXX XXXX the amount of {$2100.00} and have received no verification that this debt is valid. Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you provide validation of this debt. This includes reporting this account to any credit reporting agency. VALIDATION REQUIREMENTS : Within 30 days of receipt of this letter, you must provide the following documentation : XXXX. Original Signed Contract : A copy of the original credit agreement or contract bearing my signature, proving I entered into an agreement with XXXX XXXX XXXX. Complete Chain of Title ( UCC 3-203 ) : Documentation showing valid assignment of this debt from XXXX XXXX XXXX XXXX company, including : o Bill of sale or assignment agreement; o All endorsements and transfer documents ; o Proof that you are the current legal owner of this debt ; XXXX. Authenticated Security Agreement ( UCC 9-203 ( b ) ) : If this debt is secured, provide an authenticated security agreement showing : o Value was given ; o I have rights in the collateral ; o I authenticated the security agreement; XXXX. Itemized Accounting : A complete, itemized statement showing : o Original principal amount ; o All interest charges ( with applicable rate and calculation ) ; o All fees and charges ( with legal basis for each ) ; o All payments and credits applied ; o Current balance calculation ; XXXX. Proof of Authority to Collect : Evidence that your company is licensed to collect debt in the State of Texas ; 6. Verification of Statute of Limitations : Confirmation that this debt is within the applicable statute of limitations under Texas law ; XXXX. Verification of Reporting Authority : Proof that you have authority to report this debt to credit reporting agencies. LEGAL NOTICE : Under 15 U.S.C. 1692g ( b ), you must CEASE all collection activity ( including credit reporting ) until you provide the validation requested above. Under 15 U.S.C. 1692e, it is a violation to make any false or misleading representation, including reporting an unvalidated debt. Under 15 U.S.C. 1692f, unfair or unconscionable collection practices are prohibited. Failure to validate this debt within 30 days will be considered an admission that you can not verify this debt, and I will demand : 1. Immediate deletion from all credit reports ; 2. Written confirmation that this account has been closed ; 3. Cessation of all collection activity. If you continue to report this debt without providing validation, I will file complaints with : XXXX Consumer Financial Protection Bureau ( CFPB ) ; o Texas Attorney General ; XXXX Federal Trade Commission ( FTC ) ; And I reserve the right to pursue legal action under 15 U.S.C. 1692k, which provides for : o Actual damages ; o Statutory damages up to {$1000.00} ; o Attorney fees and costs. CEASE-AND-DESIST CREDIT REPORTING : Until you provide full validation as outlined above, you are ORDERED TO CEASE reporting this account to TransUnion, Equifax, and Experian . All correspondence regarding this matter must be sent in writing to : Do not contact me by phone. All communication must be in writing per 15 U.S.C. 1692c ( c ). I expect your full compliance with the Fair Debt Collection Practices Act and look forward to receiving the requested validation within XXXX days.

Company response to consumer: Closed with non-monetary relief