Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX'Re: Case XXXX XXXX  / Verification of Alleged Debt  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May ConcernXXXXI am writing in response to your recent collection attempt regarding the accounts referenced above. I dispute the validity and legal enforceability of this alleged debt, and I am invoking my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, and the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681s-2(b).\n\nI am demanding the following documentation as full and proper validation:XXXX1. A signed contract or agreement bearing my name and signature, establishing my legal responsibility for the alleged debt;XXXX2. A complete payment history, showing the name of the original creditor, the original account number, the date the debt was allegedly incurred, and any charges or payments applied;XXXX3. Proof of your legal authority to collect, including the full chain of title and assignment or purchase agreements from the original creditor through any intermediary owners to your agency.\n\nPlease note that summary data or third-party records are not legally sufficient under the law. In Medco Energies Corp. v. Insurance Co. of North America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (commonly referred to as Medco II), the court clearly held that original documentation is required to validate a disputed claim. Failure to provide such documents renders the collection action unsupported.\n\nFurthermore, your agency has a well-documented history of deceptive and unlawful debt collection practices, as demonstrated by past enforcement actions and lawsuitsXXXXNotable Legal Actions Against Portfolio Recovery AssociatesXXXX1. CFPB v. Portfolio Recovery Associates, LLC  Civil Action XXXX XXXX XXXX XXXX.)XXXX- Filed by the CFPB in XXXX, this case alleged that PRA engaged in illegal debt collection practices including:XXXX  - Suing consumers without sufficient documentation or intent to prove the claims;XXXX  - Misrepresenting the validity of debts to consumers;XXXX  - Failing to adequately respond to disputes and debt verification requests;XXXX   - Threatening consumers with lawsuits past the statute of limitationsXXXX   Outcome: PRA was ordered to pay over XXXX million in restitution and penalties, halt collection on over XXXX XXXX in debts, and reform its collection practices.XXXX2. State of New York v. PRA (2013)XXXX- The New York Attorney General sued PRA for improper collection lawsuits and affidavit practices, citing that they knowingly filed false or misleading affidavits in state courts.XXXX  Outcome: PRA agreed to vacate thousands of judgments, pay XXXX in penalties, and adopt stricter procedures for verifying debts before pursuing lawsuits.XXXXAs a result, and pursuant to the FDCPA and FCRA, I hereby demand that you:XXXX- Cease all collection activities and communications unless and until full validation is provided;XXXX- Remove any reporting of this unverifiable account from all consumer reporting agencies;XXXX- Confirm in writing that the matter is either fully verified or has been closed with no further action.\n\nIf you fail to comply, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the State Attorneys General of Texas, Pennsylvania, and Georgia, as well as retain legal counsel to pursue civil action for violations of the FDCPA and FCRA. These laws entitle me to actual damages, statutory damages, legal fees, and where applicable, punitive damages.XXXXThis is your final opportunity to resolve this matter amicably. You have XXXX  days to respond with complete validation. Please be advised that all future communication regarding this alleged debt must be in writing only.XXXXSincerely,XXXX XXXX LunaXXXXEnclosuresXXXXCc: Consumer Financial Protection Bureau\n       Federal Trade Commission\n       Attorney General XXXX XXXX, Virginia XXXX       TXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief