Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request Pursuant to FDCPA and FCRA for Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Portfolio Recovery Associates , LLC ( XXXX ) claims I owe. This letter serves as a request for validation of the debt as stipulated under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Request for Validation : Pursuant to the FDCPA and FCRA, I request the following documentation to validate the alleged debt : 1. Original Creditor Information : o The name and address of the original creditor.

2. Proof of Debt : o A copy of the original contract or agreement bearing my signature, indicating my obligation to repay the alleged debt. 
3. Chain of Title : o A complete chain of title of the debt, including all assignments, transfers, and sales of the debt from the original creditor to PRA.

4. Assignment Contract : o A copy of the assignment or purchase agreement that legally transfers the debt to PRA, including the specific terms and conditions of the transfer.

5. Purchase Amount : o The amount PRA paid to acquire the debt from the original creditor.

6. Account Statements : o Detailed account statements from the original creditor, showing the history of the account, including charges, payments, and interest. 
Please note that a generic bill of sale or assignment document that does not specifically reference my account does not constitute sufficient validation of the debt. 
Alleged Violations : I would like to bring to your attention the following potential violations : 1. Failure to Provide Validation : o Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated. If PRA has continued collection efforts without providing the requested validation, this constitutes a violation of the FDCPA.

2. Reporting Inaccurate Information : o Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must ensure the accuracy of the information provided. Reporting a debt without proper validation may violate this provision of the FCRA. 
3. Failure to Mark Account as Disputed : o Under 15 U.S.C. 1692e ( 8 ), a debt collector must communicate to any credit reporting agency that a debt is disputed. Failure to do so may result in a violation of the FDCPA.

Demand for Action : Given the above, I request the following actions : Provide the requested validation documentation within 30 days of receipt of this letter. 
Cease all collection activities until the debt is validated. 
If you can not provide the requested documentation, cease all collection efforts and remove any negative information related to this account from my credit reports with all consumer reporting agencies. 
Please be advised that I am keeping records of all correspondence related to this matter. If XXXX fails to comply with the above requests, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney general 's office.

Company response to consumer: Closed with explanation