Consumer complaint received 2026-01-20 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: MA

Complaint narrative:
NOTICE OF DISPUTE I dispute the above-referenced accounts in its entirety. 
The accounts is identified solely by the partial account number you furnished to consumer reporting agencies, which is sufficient for you to investigate and respond. 

I do not acknowledge any debt, liability, or contractual relationship with your company. 



1.porfolio recovery associates Account number XXXX 2.porfolio recovery associates Account number XXXX 3porfolio recovery associates Account number XXXX DEMAND FOR STRICT PROOF ( ACCOUNT-SPECIFIC ) XXXX. Sale, Assignment, or Securitization State clearly, in writing : Whether the account identified by Partial Acct # ____ was : Sold Assigned Transferred Placed into a trust Included in any forward-flow or bulk sale Securitized or pooled as an asset If yes, provide : Name of trust or asset pool Date of transfer Trustee and servicer SEC filing reference ( if applicable ) Asset schedule or account-level data identifying this specific account If no, provide a sworn statement affirming the account was never securitized or transferred.

2. Original Signed Contract Produce the original signed contract creating the alleged obligation, including : Wet-ink or authenticated electronic signature Complete terms in effect at account opening Proof the agreement authorizes assignment to third-party debt buyers Unsigned templates, reconstructed agreements, or cardmember summaries are not acceptable. 



XXXX. Bill of Sale & Purchase Agreement Provide : The original bill of sale identifying the account by partial account number The complete purchase and sale agreement, including all schedules Any forward-flow agreement governing the alleged transfer Generic or redacted bills of sale that do not identify this account are insufficient.

4. Chain of Title / Chain of Assignment Provide an unbroken chain of title for the account identified by Partial Acct # ____, showing : Each transfer Dates of assignment Assignors and assignees Consideration paid Account-level identification at each step Any break in the chain voids standing.

5. Evidentiary & Witness Requirements All documents must comply with : Federal Rule of Evidence 602 personal knowledge Federal Rule of Evidence 803 ( 6 ) business records exception You must identify a custodian of records with first-hand knowledge capable of testifying to : Ownership Transfer Balance calculation Accuracy of reporting Affidavits from debt buyers lacking original creditor knowledge are inadmissible.

6. FOIA / Public Record Notice To the extent your claim relies on federally regulated securitization disclosures, trust filings, or public records, this letter constitutes a request for disclosure under the Freedom of Information Act for any records referencing this account. 
NOTICE OF NON-COMPLIANCE Failure to produce the above account-specific proof within the statutory investigation period requires : Immediate cessation of reporting Deletion of the tradeline Written confirmation of correction Continued reporting without proof constitutes willful noncompliance under 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief