Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC ( PRA, LLC ) for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in connection with an alleged debt that has not been properly validated and appears to be time-barred. I first discovered PRA, LLC reporting on my credit file in or about XX/XX/XXXX, where it was inaccurately identified as the original creditor. I disputed this with XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXXXXXX ). By XX/XX/XXXX, the tradeline was modified to list XXXX XXXX as the original creditor ; however, the dispute results were not substantiated with documentation. On XX/XX/XXXX, I sent PRA, LLC a written debt validation request and cease-and-desist via USPS Certified Mail, delivered XX/XX/XXXX. PRA, LLC responded with a XX/XX/XXXXXXXX letter using a standardized XXXX template. This response failed to provide proper validation under 15 U.S.C. 1692g ( b ). It included an unsigned Notice of Intent to Sell, and account statements that were internally inconsistent and mathematically irreconcilable, including a charge-off statement that explicitly stated, Statement not provided to customer. Beginning in XX/XX/XXXX, PRA, LLC initiated repeated telephone calls identified as PORTFOLIO RECOV. Calls were brief, often disconnecting after one ring, and included at least one instance ( XX/XX/XXXXXXXX ) where the call was answered and immediately dropped, consistent with predictive dialer or automated call behavior. These calls occurred without meaningful disclosure and appear to violate 15 U.S.C. 1692d and 1692e. On XX/XX/XXXX, I sent PRA, LLC a second written dispute, including : ( 1 ) a renewed demand for validation under 1692g ( b ), ( 2 ) a notice of violations, and ( 3 ) a formal cease-and-desist pursuant to 1692c ( c ). Delivery was confirmed on XX/XX/XXXX. Despite this, PRA, LLC continued collection activity, including calls on XXXX XXXX and XXXX XXXX XXXX, in violation of 1692c ( c ). On XX/XX/XXXX, I received another call from PRA, LLC and immediately returned the call. A representative identified as XXXX answered. At the beginning of the call, I requested consent to record, and the representative expressly consented. I provided my first and last name to identify myself. The representative then attempted to obtain additional personal identifiers, including my address and partial Social Security number, which I refused to provide. At that point, the representative attempted to end the call. I then referenced my prior written disputes and the formal cease-and-desist previously sent. Upon doing so, the representatives tone changed, and she instead offered to place a cease-and-desist on future calls associated with my number. This interaction demonstrates that PRA, LLC continued collection activity without first providing proper validation and only acknowledged cease-and-desist obligations after being directly confronted. During the XX/XX/XXXX, call, the representative attempted to obtain additional personal identifiers without first providing validation or confirming the legitimacy of the alleged debt, further supporting deceptive practices under 1692e. PRA, LLC also failed to disclose that the alleged debt was time-barred during its collection attempts. This disclosure was only made in an XX/XX/XXXXXXXX response, after I had explicitly raised the issue. Prior attempts to collect without this disclosure constitute misleading representations in violation of 1692e. Additionally, PRA, LLC furnished and updated information with consumer reporting agencies without conducting a reasonable investigation after receiving direct disputes, in violation of 15 U.S.C. 1681s-2 ( b ). On XX/XX/XXXX, PRA, LLC added dispute remarks and closed investigations within approximately one day, indicating a cursory or automated review process rather than a reasonable investigation. PRA, LLCs conduct demonstrates : ( 1 ) Failure to provide proper validation ( 1692g ( b ) ) ; ( 2 ) Continued collection after cease-and-desist ( 1692c ( c ) ) ; ( 3 ) Use of deceptive and misleading representations ( 1692e ) ; ( 4 ) Harassing or abusive call practices ( 1692d ) ; ( 5 ) Failure to disclose time-barred status prior to collection ( 1692e ) ; and ( 6 ) Failure to conduct reasonable investigations and improper credit reporting ( FCRA 1681s-2 ( b ) ). These violations are willful and consistent with patterns previously identified in the XX/XX/XXXX, CFPB stipulated order against PRA, LLC - CFPB v. Portfolio Recovery Associates , LLC, Case No. XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( CFPB Consent Order ). I request an investigation, deletion of the tradeline, and enforcement action to prevent continued unlawful practices.

Company response to consumer: Closed with non-monetary relief