Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
follow ups from CFPB # XXXX Re : Portfolio Recovery Associates , LLC Failure to Provide Signed Validation of Alleged Account Consumer : Account No. : XXXX ( Alleged ) To Whom It May Concern : This correspondence is a formal response to Portfolio Recovery Associates, LLCs ( PRA ) inadequate and legally insufficient reply to my CFPB complaint. PRA failed to provide a signed, complete, and legally compliant validation of debt, and instead submitted generic billing statements and a copy of a sale noticenone of which constitute proper validation under federal law. 
Let me be clear : 1. PRA has NOT validated this alleged debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activities until it provides proper validation, which requires : * A signed contract or agreement bearing the consumers signature, * Proof PRA has the legal right to collect, * A full accounting history, * All statements from zero balance to presen
t, * Chain of custody of the account, * Proof of ownership with signatures, * A detailed breakdown of all fees, charges, and interest.

PRA has provided none of the above.

2. A generic statement from XXXX XXXX  is NOT legally recognized validation.

The documents PRA attached : * Do not contain my signature * Do not show any legally binding contract * Do not include any proof I agreed to the alleged debt * Do not prove PRA owns the account * Do not satisfy the requirements of the FDCPA, FCRA, or CFPB guidelines PRA CAN NOT legally collect, report, or pursue this account without proper validation.

3. PRAs failure to provide a signed contract is a violation of multiple consumer laws.

FDCPA Violations : * 15 U.S.C. 1692g ( b ) Failure to cease collection without validation * 15 U.S.C. 1692e Misrepresentation of the legal status of a debt * 15 U.S.C. 1692f Unfair practices * 15 U.S.C. 1692j Furnishing deceptive forms FCRA Violations : If PRA continues reporting this unvalidated account to any credit bureau, it violates : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate * 15 U.S.C. 1681s-2 ( b ) Failure to conduct proper reinvestigation * 15 U.S.C. 1681i Failure to correct or delete unverified data 4. Continued reporting of this unverified account is considered WILLFUL noncompliance.

Under 15 U.S.C. 1681n and 1681o, I am entitled to : * Statutory damages * Actual damages * Punitive damages * Attorneys fees I am fully prepared to pursue all r
emedies available to me.

5. PRA must immediately DELETE this account from all credit reporting agencies.

Because PRA has failed to provide : * No signed contract * No wet signature * No proof of ownership * No complete accounting * No legally compliant validation The alleged account is UNVERIFIED and must be DELETED, not updated, not corrected.

6. Formal Demand I am demanding the following : 1. Complete deletion of the alleged account from all consumer reporting agencies 2. Cessation of all collection efforts 3. A written confirmation sent through the CFPB portal confirming deletion Failure to comply will result in : * A lawsuit filed in federal court * Claims under the FDCPA and FCRA * CFPB escalation * State Attorney General involvement I am giving PRA seven ( 7 ) days to comply.

7. PRAs Own Documents Confirm They Can not Validate This Debt The attachment PRA provided only shows : * Billing statements * A balance * A sale notice None of these documents prove I owe PRA anything or that I ever agreed to this alleged account.

Therefore, PRA must remove the account immediately.

Company response to consumer: Closed with non-monetary relief