Consumer complaint received 2026-06-09 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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Portfolio Recovery Associates , LLC * * Account Information * * * Balance Reported : {$860.00} * Highest Balance Reported : {$860.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Responsibility : Individual Account * * Complaint * * I am filing this complaint against Portfolio Recovery Associates , LLC regarding a collection account being reported on my consumer credit reports that I dispute. Portfolio Recovery Associates is reporting a collection account with a balance of {$860.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. As a debt buyer, Portfolio Recovery Associates has a legal obligation to maintain sufficient documentation establishing ownership of the debt, the amount being reported, and its authority to collect and furnish information regarding the account. I have not been provided with sufficient evidence demonstrating that the debt is valid, that the balance is accurate, or that Portfolio Recovery Associates has the legal authority to collect and report this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not furnish information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, furnishers are required to conduct a reasonable investigation, review all relevant information, and correct, update, or delete information that can not be verified. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must maintain sufficient documentation establishing the validity of the debt, the amount owed, and their authority to collect it. I request that Portfolio Recovery Associates provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing Portfolio Recovery Associates ' ownership of the account or authority to collect it. 5. The complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the reported balance of {$860.00}. 7. Documentation establishing the date of first delinquency. 8. Documentation demonstrating that the amount being reported is accurate and supported by business records. 9. Copies of any records used to verify the account during prior disputes or investigations. 10. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. This account has been reported since 2021, making it especially important that the furnisher verify the date of first delinquency and ensure the account is being reported within the time limitations permitted by the Fair Credit Reporting Act. Any inaccurate reporting of delinquency dates could improperly extend the reporting period and unfairly damage my credit profile. The Consumer Financial Protection Bureau has emphasized that debt buyers and debt collectors must maintain adequate records supporting the accuracy and integrity of information reported to consumer reporting agencies. If Portfolio Recovery Associates can not provide competent evidence validating the debt, ownership, balance, and reporting history, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Portfolio Recovery Associates conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation