Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX This the XXXX XXXX XXXX XXXX XXXX6 Via Certified Mail Return Receipt Requested Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Debt Validation Demand, Notice of Dispute, Demand for Documentary Proof of Ownership and Authority, Demand for Proof of Permissible Purpose Under FCRA, and Cease & Desist Notice Account Number : XXXX To Whom It May Concern : This correspondence serves as a formal dispute of the alleged debt, a demand for validation, and a cease and desist notice regarding the above-referenced account. I am in receipt of your communication and/or have become aware of your reporting and/or collection activity concerning an alleged debt you claim to own or service. I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including but not limited to 15 U.S.C. 1692g, and all applicable provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please be advised that this is not a refusal to pay, but rather a lawful request for competent evidence establishing your legal authority to collect, report, and otherwise process information regarding this alleged obligation. DEMAND FOR COMPLETE DEBT VALIDATION Please provide the following documents and information : Original Creditor Information Name and address of the original creditor ; Original account number ; Date the alleged debt was incurred ; Date of default and/or charge-off ; Complete payment history, including all charges, fees, interest, and credits. Proof of Legal Ownership / Standing A complete copy of the Forward Flow Agreement governing the transfer or sale of this alleged account ; The Chain of Assignment / Chain of Title, including every assignment, transfer, or bill of sale from the original creditor through all intermediate entities to Portfolio Recovery Associates , LLC ; Specific evidence identifying this exact account within any portfolio transfer documentation ; Proof that Portfolio Recovery Associates has legal standing and authority to collect on this alleged obligation. Underlying Contractual Documentation A copy of the original signed contract, application, or account agreement bearing my signature ; Any terms and conditions relied upon to establish liability. Licensing and Authority Proof that Portfolio Recovery Associates , LLC is properly licensed and authorized to collect debts in my state ; Name and license number of the individual or entity responsible for collection activity. DEMAND FOR FCRA COMPLIANCE & PROOF OF PERMISSIBLE PURPOSE Pursuant to 15 U.S.C. 1681b, please provide documentary evidence establishing your permissible purpose for obtaining, accessing, furnishing, or reporting my consumer information to any consumer reporting agency. Specifically provide : The legal basis under FCRA authorizing your access to my consumer report ; The date ( XXXX ) on which my consumer report was accessed ; The purpose for each access ; Documentation supporting your authority to furnish information to consumer reporting agencies under 15 U.S.C. 1681s-2. If you are currently reporting this alleged account to any consumer reporting agency, you are hereby notified that this debt is formally disputed. Failure to accurately report the account as disputed may constitute a violation of federal law. CEASE AND DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist from all telephone calls and all other direct communication with me, except as necessary to : Provide the validation and documentation requested herein ; or Notify me of specific legal remedies you intend to pursue. All future correspondence must be made in writing only and mailed to the address listed above. NOTICE OF PRESERVATION OF RIGHTS Until you provide the requested documentation, you must immediately cease all collection activity, including but not limited to : Reporting or continuing to report this alleged debt to any consumer reporting agency ; Selling, assigning, or transferring this alleged account ; Initiating or threatening litigation ; Continuing collection communications beyond lawful validation. Failure to comply with this lawful request may constitute violations of the FDCPA and FCRA, and I reserve all rights to pursue complaints and remedies through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and private legal action as appropriate. This letter is sent without waiver of any rights, claims, defenses, or remedies, all of which are expressly reserved.

Company response to consumer: Closed with non-monetary relief