Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Notice of Dispute and Demand for Debt Validation Pursuant to 15 U.S.C. 1692g and Related Laws To Whom It May Concern : This letter is a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This request is made within 30 days of receiving your initial communication, and therefore, all collection efforts must cease until you provide the requested validation. 

Under the FDCPA and applicable law, you are hereby notified that I dispute the entirety of the alleged debt, including but not limited to the amount, the validity of the obligation, and your legal right to collect on it. You are further requested to provide : XXXX. A copy of the original signed agreement or instrument creating the alleged obligation. 


XXXX. A complete itemized accounting of the alleged debt including principal, interest, fees, and other charges. 


XXXX. A sworn statement from the original creditor confirming the debts validity. 


XXXX. Chain of title documentation showing your legal authority to collect on the debt. 


XXXX. The name and address of the original creditor. 


XXXX. Copies of any and all records you rely on for reporting or collection. 


XXXX. A complete record of all account activity and assignments relating to this alleged debt. 




-- - Additional Legal Notice of Inaccurate and Duplicative Credit Reporting In addition, I dispute and challenge the inconsistent and duplicative reporting of the same account number across multiple tradelines to consumer reporting agencies. These entries reflect differing balances, payment statuses, and reporting dates, and thus violate several federal and commercial statutes. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers are prohibited from reporting information they know or should know to be inaccurate. Under 15 U.S.C. 1692e ( 8 ) of the FDCPA, a debt collector may not report information that is false or misleading. Your actions constitute not only a breach of these provisions but also a potential willful or negligent violation of 15 U.S.C. 1681e ( b ), which requires that all information provided to credit reporting agencies be accurate and complete.

Case law such as Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), affirms that a furnisher of information has a duty to investigate disputed information reasonably. Multiple inconsistent reports of the same debt show a failure to meet this duty and may constitute reckless or intentional misreporting.

Furthermore, under Uniform Commercial Code 3-501, any party seeking to enforce an obligation must make a proper and specific presentment. Your failure to provide a singular, consistent demand for payment in compliance with commercial and federal standards is defective on its face and prejudicial under law. 

Additionally, pursuant to 12 U.S.C. 5565 ( a ) ( 1 ), the Consumer Financial Protection Bureau ( CFPB ) has explicit authority to take enforcement action against any person or entity engaging in unfair, deceptive, or abusive acts or practices. Repeated, inconsistent tradeline reporting falls under such enforcement scope.

I also reserve my rights under applicable state consumer protection laws, such as the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.204 ) or equivalent consumer protection statutes in my state of residence.

-- - Demand for Cease of Reporting and Arbitration Option Until such time as this matter is fully validated as required by federal law, you are to immediately cease all collection activities and credit reporting. Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney generals office. 

Should this matter remain unresolved, I hereby reserve all rights to pursue arbitration and/or any lawful remedy under the Federal Arbitration Act ( 9 U.S.C. 1 et seq. ), including for damages resulting from unlawful collection or reporting practices.

This letter is not a refusal to pay, but a notice sent pursuant to my rights under 15 U.S.C. 1692g, 1692e, 1681s-2, UCC 3-501 , and related statutes. No further communication regarding this alleged debt should occur without full compliance with these laws. 


-- - Respectfully,

Company response to consumer: Closed with explanation