Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am filing a second, escalated complaint against Portfolio Recovery Associates , LLC ( " PRA '' ) regarding their ongoing violations of federal law, including the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my dispute and request for validation, PRA failed to provide the legally required documentation to substantiate their collection efforts. Their response attached to the previous CFPB complaint admits that they did not provide : A copy of the original signed contract or application bearing all party 's signature. 

An itemized accounting clearly explaining the total balance, fees, and interest. 

A true and complete chain of title ( bill of sale or assignment agreement ) showing their legal right to collect. 

The only " validation '' PRA produced consisted of ( 1 ) generic credit card statements and ( XXXX ) a typed letter from XXXX XXXX stating the account was sold. Mere allegations, account summaries, and an unverified letter purporting a sale do not constitute valid proof of debt under the FDCPA and would not be admissible as evidence in court. 

Their own admission that they rely solely on documents " provided by the original creditor '' without any original signed agreement or chain of custody proves that they lack sufficient legal documentation to collect or report this alleged debt.

Despite this, PRA continues to : Pursue collection, Furnish negative credit reporting to TransUnion, Experian, and Equifax, Fail to honor cease communication rights as I have a documented call from them under the cease-and-desist request.

Misrepresent the character, amount, and status of the alleged debt.

Their actions constitute multiple egregious violations of federal law.

2. VIOLATIONS COMMITTED : a ) FDCPA Violations : 15 U.S.C. 1692g ( b ) Failure to properly validate the debt after receiving a dispute.

15 U.S.C. 1692e ( 2 ) ( A ) Falsely representing the character, amount, or legal status of the debt.

15 U.S.C. 1692e ( 8 ) Communicating credit information which is known, or should be known, to be false, including failing to report a disputed debt.

15 U.S.C. 1692f Using unfair or unconscionable means to attempt to collect a debt.

15 U.S.C. 1692c ( c ) Continuing collection efforts after a request to cease communication ( arguably, if any collection communications continued after dispute ).

b ) FCRA Violations : 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and correct credit information after being notified of a dispute.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of furnished credit information.

3. EXAMPLES OF SPECIFIC ILLEGAL CONDUCT : Incomplete validation PRA has no original contract, no full account history, no proof of assignment, and no verified accounting.

Continuing to report disputed information PRA continues furnishing tradeline information without properly marking the account as disputed or curing inaccuracies.

False representations PRA falsely claims they " validated '' the debt despite acknowledging they can not produce full evidence.

Emotional distress and credit harm PRAs illegal reporting and collection efforts have caused emotional distress, damaged my creditworthiness, and impacted my financial standing.

Company response to consumer: Closed with explanation