Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CFPB COMPLAINT Portfolio Recovery Associates ( XXXX ) Consumer Financial Protection Bureau Experian XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : [ Insert ] Subject : Formal Complaint Portfolio Recovery Associates ( XXXX ) Failure to Validate Debt / Continued Reporting / FDCPA & FCRA Violations Account No. : XXXX To the Consumer Financial Protection Bureau : I am filing this complaint against Portfolio Recovery Associates , LLC ( XXXX ) for multiple violations of federal consumer protection laws relating to an alleged debt XXXX claims to own. XXXX has failed to provide legally required validation and continues to engage in collection and credit reporting activity without satisfying its obligations under the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Failed to Provide Validation After a Timely Written Request ( FDCPA XXXX ) I submitted a proper debt validation request to XXXX. 
XXXX has not returned or provided : A copy of the original signed contract Documentation proving ownership or legal assignment Itemized accounting Chain of XXXX from original creditor to XXXX Proof XXXX XXXX XXXX to collect in Texas XXXX XXXX violates 15 U.S.C. 1692g ( b ) and Regulation XXXX, which requires that all collection activity cease until full validation is provided. 

XXXX. Continued Reporting Without Validation Is a FCRA Violation Despite failing to validate the debt, XXXX is still furnishing information to : Experian XXXX XXXX  Under FCRA 1681s-2 ( a ) & ( b ), a furnisher may not continue reporting disputed information without reinvestigation and certified verification. XXXX is reporting with : inconsistent dates, inaccurate account information, and no documented validation. 

This is unlawful. 

XXXX. XXXX Is Required to Produce Proof It Owns the Debt They Have Not Provided It XXXX has provided no evidence that : the debt is legally theirs, any contract was transferred, they have a right to collect in Texas, the account is within the statute of limitations. 

Attempting collection or reporting without proof constitutes deceptive and misleading conduct under FDCPA 1692e, 1692f. 

XXXX. XXXX Conduct Appears to Be Willful and Systemic XXXX continues collection or reporting activities : after receiving a dispute, without validation, while knowing the debt is unverified. 

This is demonstrably willful, especially given XXXX  prior CFPB enforcement actions. 

Requested CFPB Action I request that the CFPB require XXXX to : Produce full validation including signed contract, assignment, and chain of custody for Account No. XXXX. 

Cease all collection activity until validation is provided, as required by law. 

Delete the account from XXXX, XXXX, and XXXX  if they can not validate. 

Provide written confirmation to me and the CFPB. 

Conclusion XXXX  continued attempts to collect and report an unverified debt violate FDCPA, Regulation XXXX, and FCRA. 
Without proper validation, XXXX has no legal authority to contact me, attempt collection, or report this account to any credit bureau. 

Sincerely, XXXX XXXX XXXX XXXX, Texas

Company response to consumer: Closed with non-monetary relief