Consumer complaint received 2026-05-29 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: TX

Complaint narrative:
XXXX XXXX CFPB : Please post publicly RE : Formal Rebuttal, Demand for Reinvestigation, and Request for Documentary Verification Portfolio Recovery Associates Collection Accounts To Whom It May Concern : I am submitting this formal rebuttal to Portfolio Recovery Associates CFPB response regarding the disputed collection accounts associated with XXXX XXXX. Disputed Accounts : Portfolio Recovery Associates Account XXXX. XXXX Portfolio Recovery Associates Account No. XXXX After reviewing Portfolio Recovery Associates response, I maintain my dispute and object to the continued reporting of these collection accounts. Portfolio Recovery Associates response consists primarily of conclusions rather than documentary evidence. Stating that XXXX XXXX provided records, that an account was purchased, or that a balance was due does not constitute production of the underlying records requested in my complaint. My dispute specifically requested documentary verification sufficient to independently verify ownership, assignment, balance accuracy, reporting accuracy, and lawful collection authority. The response failed to provide the requested documentation. Specifically, the response did not provide : Complete itemized accounting supporting the reported balances Account-level payment history records Complete chain-of-assignment documentation Bills of sale identifying these specific accounts Ownership and transfer records supporting collection authority XXXX XXXX reporting data supporting the reported tradelines Date-specific verification records relied upon during the investigation A description of the procedures used to determine the accuracy and completeness of the disputed information pursuant to FCRA 1681i ( a ) ( 7 ) The names, addresses, and telephone numbers of the persons or entities relied upon during the reinvestigation Portfolio Recovery Associates also states that it is not required to provide validation because it considers prior requests untimely. However, my complaint concerns the continued furnishing and reporting of disputed information. The obligations associated with maintaining accurate credit reporting and conducting reasonable investigations are separate from any argument regarding the timing of a debt-validation request. The continued reporting of these collection accounts without providing the requested documentary evidence raises substantial concerns regarding the accuracy, completeness, and verification integrity of the information being furnished to consumer reporting agencies. Accordingly, I renew my request for : XXXX. Complete account-level verification for both collection accounts ; XXXX. Complete itemized accounting supporting all reported balances ; XXXX. Original creditor documentation relied upon by Portfolio Recovery Associates ; XXXX. Bills of sale, transfer records, and assignment documentation establishing ownership and collection authority ; XXXX. Complete payment histories and account records ; XXXX. XXXX XXXX reporting data supporting the reporting of these collection tradelines ; XXXX. A description of the procedures used during the reinvestigation pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) ; 8. The names, addresses, and telephone numbers of all parties relied upon during the investigation ; and 9. Immediate deletion of any collection tradeline, balance, derogatory notation, or reporting field that can not be fully verified through competent documentary evidence. A fair resolution would be deletion of both Portfolio Recovery Associates collection tradelines from all consumer reporting agencies unless Portfolio Recovery Associates can provide complete documentary evidence supporting ownership, assignment, balance accuracy, collection authority, and reporting accuracy. I also request correction of any inaccurate reporting and updated consumer reports reflecting the results of the reinvestigation. Please provide the results of your reinvestigation and all supporting documentation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief