Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX to Portfolio Recovery Associates , LLC XXXX. XXXX XXXX Northfork, VA XXXX Subject : Dispute of Account Not an Acknowledgment of Debt- Cease and Desist To Whom It May Concern : I am writing to dispute one item listed on my recent credit report by Portfolio Recovery Associates , LLC XXXX related to alleged XXXX  account ending XXXX. This letter is not an acknowledgment of debt, but rather a formal dispute of the accuracy and validity of these entries. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, particularly 15 U.S.C. 1681i, I have the right to dispute the completeness and accuracy of information reported by furnishers to credit reporting agencies. The presence of these collection accounts on my credit report negatively impacts my creditworthiness, and I dispute their accuracy and your legal right to report them. 
Furthermore, under the FDCPA, specifically 15 U.S.C. 1692e, it is a violation for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing the character, amount, or legal status of any debt, or making threats to take any action that can not legally be taken or that is not intended to be taken. 
Additionally, under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. This includes attempting to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
To ensure the accuracy and validity of these reported accounts, and to fulfill your obligations under the FCRA and FDCPA, I request the following : 1. Documentation demonstrating your legal right to collect on this specific account, including the original contract or agreement bearing my signature.

2. A detailed accounting of the payment history for this account.

3. Proof of the chain of title or assignment that legally transfers ownership of this debt to Portfolio Recovery Associates , LLC.

4. Confirmation as to whether an insurance claim has been filed or paid on this alleged debt.

5. The forward flow agreement pertaining to this account.

Please be advised that under 15 U.S.C. 1681s-2 ( b ) of the FCRA, if you determine that the information you furnished is inaccurate or incomplete, you are required to promptly notify the credit reporting agencies of such determination and provide all necessary information to correct the inaccuracy or incompleteness. 
Should you be unable to provide the requested documentation in a timely manner, I demand that the alleged XXXX accounts be immediately deleted from my credit report with all three major credit bureaus. Failure to do so may result in further action. And all communication attempts will cease and desist in any type of contact with this consumer. All questions should be communicated through my attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief