Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is the validation request letter sent to Portfolio Recovery on Alleged Debtor : Portfolio Recovery Associates , LLC To Whom It May Concern : This letter is a formal request for validation of the alleged debt for the amount of {$1200.00}, pursuant to my rights under the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

Please be advised that I dispute the validity of the alleged debt in its entirety. Your claim is not admitted, and liability is expressly denied. 

To ensure compliance with state and federal law, and to allow me to fully understand the basis of your claim, you are hereby requested to provide competent and verifiable evidence that I have a legal obligation to pay you the amount you claim is due. At a minimum, please provide the following information and documentation : 1. The origin and nature of the alleged debt, including a complete accounting of how the amount was calculated, with a detailed breakdown of all principal, interest, fees, and other charges. 
2. The name and address of the original creditor, along with the original creditor 's account number associated with this alleged debt.

3. A copy of the original written agreement that created the debt, bearing my signature, which establishes my contractual agreement to the terms.

4. A full chain of assignment, demonstrating your legal right to collect this alleged debt. This must include documentation proving each prior owner of the debt validly assigned its interest to the next, culminating in your authority to collect.

5. Verification that the statute of limitations for collecting this alleged debt has not expired under California law. Please state the date you claim the cause of action accrued and the legal basis for that assertion.

6. An itemized statement of all payments and credits applied to the alleged account.

Until you have provided the requested validation, cease and desist all collection activities. This includes, but is not limited to, reporting this alleged debt to any credit reporting agency. 

Be advised that your failure to respond to this validation request within the time frame prescribed by law, or your continued collection efforts without providing proper validation, will be construed as a violation of the FDCPA and the Rosenthal Act. I will not hesitate to avail myself of all legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and pursuing civil action for statutory damages, actual damages, and attorney 's fees. 

I expect your prompt and complete response to this lawful request. 

Portfolio Recovery Associates has since then placed an unverified debt on my credit report and marked it as " resolved '' without providing the required validation. 
On XX/XX/XXXX : I sent a written debt validation request letter off via mail. 
On XX/XX/XXXX via email Portfolio Recovery sent a settlement offer letter to settle debt without providing my rights to dispute within 30 days enclosed in the email. 
Before XX/XX/XXXX : Portfolio placed a " Placed for collection '' remark on my credit report and reported the status as " Dispute resolvedsubscriber disagrees. '' on XX/XX/XXXX a second validation request letter was sent to Portfolio Recovery via mail. 
As of Today XX/XX/XXXX : I have not received the legally required validation notice via mail. 
The Violations : 1. They continued collection activity ( credit reporting ) after receiving my written dispute and before providing validation. 
2. They furnished inaccurate information ( " dispute resolved '' ) to the credit bureaus.

Company response to consumer: Closed with non-monetary relief