Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
follow up from CFPB # XXXX Alleged Account : XXXX XXXX Ending in XXXX / XXXX Ref # XXXX To Whom It May Concern : This is my formal rebuttal to the documents submitted by Portfolio Recovery Associates , LLC ( PRA ) in response to my CFPB complaint. Their submission does NOT constitute legal debt validation under federal law, and PRA has once again failed to meet their statutory obligations.

What PRA sent is nothing more than generic billing statements and a self-generated balance notice, none of which contain : * My signature * The original signed contract * A complete itemized accounting * Proof of ownership or chain of title validly transferred from XXXX XXXX to PRA * Proof that PRA has the legal right to collect, report, or assign this alleged account Because PRA has failed to provide ANY legally sufficient evidence, this alleged account must be considered unverified, invalid, and uncollectible. 

1. PRA Violated the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ( b ) ) Under 15 U.S.C. 1692g ( b ), once a consumer disputes an alleged debt, a debt collector must cease all collection activityuntil they mail : * Verification of the debt, * A copy of the original judgment or signed agreement, * The name and address of the original creditor.

PRA failed to provide a legally valid verification.A statement generated by the creditor does NOT satisfy verification requirements this has been confirmed repeatedly by federal courts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statements without my signature prove nothing. 

XXXX. PRA Violated the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ) If PRA continues reporting this account to any bureau while it can not validate the debt, it will constitute : * Furnishing inaccurate information ( 1681s-2 ( a ) ) * Failure to correct or delete disputed information ( 1681s-2 ( a ) ( 2 ) ) * Failure to conduct a reasonable investigation ( 1681s-2 ( b ) ) PRA CAN NOT furnish, verify, or continue reporting information that is : Unsubstantiated Unsupported by a contract Not validated under 1692g ( b ) In dispute through an active CFPB investigation This is a clear FCRA violation XXXX 

XXXX. PRA Failed to Provide Chain of Custody / Assignment Documents To legally collect, PRA must provide : * Bill of sale transferring MY individual account * A complete chain of title from XXXX XXXX to PRA * Documentary evidence showing PRA owns the right to collect PRA DID NOT provide any contractual assignment or bill of sale listing my specific account. 
A generic XXXX XXXX sold debt letter is not legally binding proof of ownership.Courts have ruled repeatedly that debt buyers must show individualized account data tied to the consumer. 
PRA failed. 

XXXX. PRA Is Engaging in Deceptive Collection Practices ( FDCPA 1692e ) By sending : * Generic paperwork * No signature * No contract * No itemized breakdown * No proof of ownership * No validation yet still representing the debt as legitimate, PRA is violating : * 1692e False or misleading representations * 1692e ( 2 ) Misrepresenting amount/character/legal status * 1692e ( 8 ) Communicating false credit information * 1692e ( 10 ) Use of deceptive means to collect This behavior is unlawful and actionable. 

XXXX. DEMAND FOR ACTION Since PRA failed to validate, the law requires that : A. The alleged debt be marked UNVERIFIED B. PRA cease ALL collection activity C. PRA delete ALL credit reporting related to this account immediately D. PRA be required to provide proper validation or permanently close the account If PRA continues reporting, contacting me, or attempting to collect without proper validation, I will proceed with : * FDCPA litigation * FCRA litigation for inaccurate reporting * Complaints to the Attorney General * Complaints to the FTC * Civil damages under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o I am fully prepared to sue for : * Statutory damages * Actual damages * Attorney fees * Punitive damages 6. Final Position The documents PRA provided prove nothing and fail to meet ALL federal requirements.Until PRA provides a signed contract, full validation, and a lawful chain of title, this account is invalid, disputed, and legally uncollectible.

I request that the CFPB : Compel PRA to delete this account Confirm PRA is prohibited from any further collection activity Treat this matter as a clear FDCPA and FCRA violation Sincerely,

Company response to consumer: Closed with non-monetary relief