Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX Department RE : PRA Account Ending in XXXX Formal Rebuttal and Continued Dispute To Whom It XXXX Concern, I am in receipt of your response regarding the above-referenced account. Your letter does not resolve my dispute, nor does it satisfy your obligations under the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Verification Is Not Validation While you state that PRA verified the account and provided validating documentation, your response relies entirely on business records supplied by XXXX XXXX, not on independent, competent evidence establishing that I am legally obligated for this debt. 

To date, PRA has not provided : A copy of an original signed credit card agreement bearing my signature Evidence that I personally opened, authorized, or used this account Proof that the account was not the result of fraud, identity misuse, or error A complete itemized accounting explaining how the balance was calculated Account data and account statements alone do not constitute validation when the debt itself is disputed. 

XXXX. Failure to Conduct a Reasonable Investigation Your response indicates reliance on records provided at the time of purchase. However, under 15 U.S.C. 1681s-2 ( b ), PRA is required to conduct a reasonable investigation, not merely confirm that information exists in a prior creditors database. 

Stating that XXXX XXXX records verify the account does not satisfy the statutory requirement to determine accuracy and ownership, particularly when the consumer disputes the debt. 

XXXX. Dispute Status and Continued Reporting You assert that PRA has no record of a request or dispute in response to your initial letter. That assertion is irrelevant to my current dispute and does not relieve PRA of its duty to investigate once a dispute is receivedwhether directly, through a credit bureau, or via the CFPB. 

Despite my dispute, PRA continues to : Report this account to consumer reporting agencies Represent the debt as valid without proper proof Cause ongoing harm to my creditworthiness Continued reporting of disputed, unverified information may constitute willful noncompliance under 15 U.S.C. 1681n. 

XXXX. This Matter Remains Unresolved Your conclusion that no further steps are required is incorrect. This account remains formally disputed, and I do not accept your findings as conclusive. 

Demand for Resolution To resolve this matter and avoid further escalation, I am requesting that PRA : XXXX. Immediately delete this account from all consumer reporting agencies XXXX. Cease all collection and reporting activity related to this account XXXX. Provide written confirmation of deletion Absent deletion, I am prepared to pursue all available remedies, including : CFPB escalation State Attorney General complaint Civil action for violations of the FCRA and FDCPA Nothing in this correspondence constitutes an acknowledgment of liability or a promise to pay. 

Govern yourselves accordingly. 

Sincerely,

Company response to consumer: Closed with non-monetary relief