Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/XXXX Via Certified Mail and Electronic Mail Portfolio Recovery Associates , LLC XXXX XXXX XXXX. XXXX, VA XXXX RE : Cease and Desist / Notice of Dispute / Demand for Validation Account Allegedly Opened : XX/XX/XXXX Reported Balance : {$2800.00} To Whom It May Concern : I am writing regarding the above-referenced account appearing on my consumer report. This letter serves as a formal notice that I dispute the alleged debt in its entirety and demand that Portfolio Recovery Associates , LLC cease all collection activity unless and until you provide complete validation of the debt as required under federal law. According to my consumer report, the account is being reported as Placed for collection with remarks stating Dispute resolved subscriber disagrees. Your continued reporting of disputed information without proper investigation may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Pursuant to 15 U.S.C. 1692g ( b ), I request competent evidence bearing my signature demonstrating that I have a legal obligation to pay this alleged debt. Specifically, provide : 1. The original signed contract or agreement ; 2. Complete account statements ; 3. The name and address of the original creditor ; 4. Proof of assignment or transfer to Portfolio Recovery Associates ; 5. Documentation establishing your authority to collect ; 6. A complete payment history and accounting ; 7. Proof that the debt amount reported is accurate and lawful. Until such validation is provided, you must cease collection activity and cease reporting this account to any consumer reporting agency. Your reporting obligations are governed by the FCRA. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information have a duty to report accurate information. Reporting information known to be inaccurate, incomplete, misleading, or unverifiable may expose your company to liability. Further, the United States Supreme Court has recognized the importance of protecting consumers from abusive collection practices and inaccurate reporting. See : * XXXX XXXX XXXX confirming the broad application of the FDCPA to debt collectors; * XXXX XXXX XXXX XXXX recognizing harms arising from inaccurate credit reporting ; * XXXX XXXX XXXX XXXX XXXX addressing consumer rights under the FCRA; * XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX holding debt collectors accountable for FDCPA violations. Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease communication with me except to : 1. Provide the requested validation ; 2. Notify me that collection efforts are terminated ; or 3. Notify me of specific legal remedies you intend to pursue. Any continued reporting, collection activity, or communication without proper validation may be documented as willful noncompliance and used in complaints to the : * Consumer Financial Protection Bureau * Federal Trade Commission * Office of the Attorney General in my state * Any appropriate court of competent jurisdiction. I also demand that all telephone communications cease immediately. All future correspondence must be in writing only. Nothing in this correspondence shall be construed as an acknowledgment, acceptance, or admission of liability for the alleged debt. Govern yourselves accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief