Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am requesting for Escalation Of complaint XXXX filed on XX/XX/year>. 

I dispute the companys response and request escalation for supervisory review. Although Portfolio Recovery Associates ( PRA ) reported Closed with non-monetary relief, they have continued collection activity through their attorneys, XXXX XXXXXXXX XXXX, who recently mailed me a certified letter dated XX/XX/year>. The letter includes a Consent Judgment offer and explicitly threatens legal action ( Portfolio Recovery Associates v. XXXX XXXX ) unless I sign and return the enclosed document which offers me to settle the debt for a lesser amount and admit to the validity of the debt that they have not properly verified. 

This constitutes continued collection activity despite PRAs statement to the CFPB that they had ceased all communications regarding the PRA account unless otherwise permitted or required by applicable law. Their attorneys letter directly contradicts that assertion. 

Furthermore, neither PRA nor its attorneys have ever provided : A signed original agreement from XXXXXXXX XXXX XXXX ; A complete chain of assignment showing legal transfer of ownership from XXXX XXXXXXXX XXXX to XXXX XXXX XXXX XXXX and then to Portfolio Recovery Associates ; or An itemized accounting showing how the alleged balance of {$1600.00} was calculated. 

A payment history alone does not constitute proper debt validation under 15 U.S.C. 1692g ( b ), and collection activity under these circumstances violates both the FDCPA and FCRA 623 ( a ) ( 1 ). 

Although Portfolio Recovery Associates ( PRA ) reported to the CFPB on XX/XX/year>, that they had ceased all communications regarding the PRA account unless otherwise permitted or required by applicable law, PRA has in fact continued active collection and legal action through their attorneys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana. 

On or about XX/XX/year>, I received a certified packet of legal documents from XXXX XXXX, acting on PRAs behalf, which included : A Consent Judgment for Portfolio Recovery Associates LLC v. XXXX XXXX XXXX XXXX City Court, Docket No. XXXXXXXX ) ; Domestic, Account, and Authorization Interrogatories , a Request for Genuineness of Documents, and a Motion for Exceptions to Reconventional Demand ; and Multiple statements clearly labeled, This is a communication with a debt collector. 

These actions directly contradict PRAs representation to the CFPB that they had ceased communications. 

Furthermore, PRA has never provided proper validation of this debt under 15 U.S.C. 1692g ( b ). 
Specifically, they have not produced : I request that the CFPB re-open and escalate this matter for enforcement review and require the company to : 1. Produce full documentation proving ownership and validation of the debt ; 2. Cease all collection efforts, including attorney contact, pending proper validation ; 3. Remove the account from all credit reporting agencies ; and 4. Investigate the false statement in PRAs prior CFPB response regarding cessation of contact.

Company response to consumer: Closed with non-monetary relief