Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
Portfolio Recovery Associates , LLC Subject : Final Debt Validation Demand & Immediate Removal from Credit Report To Whom It May Concern, This letter serves as your final notice before I initiate legal action against Portfolio Recovery Associates , LLC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and all applicable federal and state consumer protection laws.

I have repeatedly disputed the alleged debt you claim I owe. Despite multiple requests, you have failed to provide legally sufficient validation. Therefore, I demand that you immediately remove this inaccurate information from my credit reports within 7 days or face legal consequences.

Legal Demand for Validation of Debt Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ), I demand that you provide the following legally required documentation to substantiate your claim : 1. Forward Flow Agreement Proof of the original creditors agreement to sell or assign this alleged debt to you.

2. Chain of Assignment Complete documentation showing an unbroken transfer of ownership of the alleged debt from the original creditor to your company.

3. Purchase Agreement A full record showing the details of the transaction in which you acquired this alleged debt.

4. Insurance Claim of Debt Proof that no insurance claim, charge-off reimbursement, or other third-party compensation has been issued for this alleged account.

5. Original Agreement with My Wet Signature A legally binding contract that includes my original signature, proving that I agreed to and am responsible for this alleged debt.

Legal Violations & Consequences By failing to validate this debt and continuing to report it to credit bureaus, you are in violation of the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : It is illegal to report inaccurate or unverifiable information to credit bureaus.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : It is illegal to misrepresent the character, amount, or legal status of a debt.

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : You are required to provide full documentation to support any disputed debt.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 : Failure to disclose key terms and conditions of an alleged debt can result in legal penalties.

15 U.S.C. 1666i-1 : Prohibits unfair credit billing and collection practices, requiring that disputed amounts not be reported negatively while under review.

State Consumer Protection Laws : Many states have additional protections against fraudulent debt collection and inaccurate reporting. I reserve the right to pursue claims under applicable state laws.

Final Demand If you fail to provide the legally required validation and do not remove this inaccurate debt from my credit reports within 7 days, I will immediately proceed with the following actions : 1. File complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX ) 2. Pursue legal action against Portfolio Recovery Associates , LLC, seeking : Up to {$1000.00} per FDCPA violation ( 15 U.S.C. 1692k ) Actual and statutory damages under the FCRA ( 15 U.S.C. 1681n & 1681o ) Attorneys fees and court costs 3. File for an immediate injunction to prevent further reporting of this unverified debt to credit bureaus.

Notice of Limited Communication Under 15 U.S.C. 1692c ( c ), I am formally requesting that all further communication regarding this matter be in writing only. Any continued attempts to collect on an unverified debt or continued reporting of inaccurate information will be considered willful violations of federal law and will result in further legal consequences.

You have 7 days from the date of receipt of this letter to provide the requested documentation and to remove this debt from all credit bureaus. Failure to comply will result in immediate legal action.

This is your final opportunity to resolve this matter voluntarily. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation