Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I submitted concerning Portfolio Recovery Associates , LLC ( " PRA '' ) and the alleged account ending in XXXX. However, I must reiterate that your response fails to cure the significant violations of federal law, nor does it provide the required documentation to establish your legal right to collect or report the alleged debt.

Your letter states that PRA purchased the alleged XXXX XXXX XXXX account on or about XX/XX/XXXX, and that an initial notice was mailed on XX/XX/XXXX. Notably : No such notice was received by me, nor do your records indicate delivery or response.

The alleged debt did not appear on my credit report until XX/XX/XXXX, which reflects illegal re-aging, in violat

ion of 15 U.S.C. 1681c and 15 U.S.C. 1681s-2 ( b ). PRA has failed to provide any signed agreement, chain of title, or bill of sale with consumer-level data, necessary to verify the debt under 15 U.S.C. 1692g ( b ).

Your own representative admitted during a recorded call on XX/XX/XXXX at XXXX XXXX XXXXXXXX that the only documents available were statements from XXXX, and that you would need to request additional documents from the seller. This confirms PRA never had possession of sufficient

documentation when reporting or attempting to collect on this account, thus violating : FCRA 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation ; FDCPA 15 U.S.C. 1692g ( b ) Failure to provide verification upon request ; FDCPA 15 U.S.C. 1692e ( 8 ) Knowingly reporting false or misleading information to consumer reporting agencies. Additionally, PRA 's reporting of the account as newly opened in XXXX XXXX, despite the original XXXX account being dated to XX/XX/XXXX, constitutes re-aging of a debt, an illegal practice under federal law that falsely represents the status and age of the debt to creditors and causes ongoing consumer harm, including : Loss of creditworthiness ; Re

cent credit denials for mortgage and auto financing ; Damage to my credit score, which is a direct result of your reporting actions. Summary of Outstanding Legal Violations : FCRA 15 U.S.C. 1681s-2 ( b ) : Failure to ensure the accuracy of the reported information and failure to properly investigate the dispute ; FDCPA 15 U.S.C. 1692g ( b ) : Failure to provide verification including documentation proving legal ownership of the debt ; FCRA 15 U.S.C. 1681c : Re-aging the account to appear as newly opened ; FDCPA 15 U.S.C. 1692e ( 8 ) : Reporting false and misleading credit information ; FCRA 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) : Reporting a debt not arising from a direct transaction between me and PRA ; Gramm-Leach-Bliley Act ( 15 USC 6802 ) : Unauthorized use of my personal information without my consent. Formal Demands : Immediate deletion of this unverified and
improperly reported account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) ; A full copy of the original signed contract or agreement creating the alleged obligation ; A copy of the bill of sale and assignment, including consumer account information demonstrating PRAs legal ownership ; A complete chain of title showing the sale and transfer of the debt from XXXX to

PRA. Should PRA fail to resolve this matter within 15 days, I will pursue all available legal remedies, incl
uding but not limited to : Filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and the Office of the Attorney General ; Initiating a civil lawsuit for damages under the FCRA and FDCPA ; Seeking injunctive relief and monetary compensation for credit damages and emotional distress due to PRA 's negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief