Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) mailed a debt collection notice dated XX/XX/year>, attempting to collect an alleged XXXX account balance of approximately {$6200.00}. The notice stated that I had until XX/XX/year>, to dispute the alleged debt and that collection activity must cease pending validation if a timely written dispute was submitted. On XX/XX/year>, I prepared a formal written debt dispute, strict validation demand, cease and desist notice, preservation notice, and notice of Texas statutory noncompliance directed to Portfolio Recovery Associates , LLC. The dispute package was mailed via Certified Mail No. XXXX well before the dispute deadline identified in PRAs collection notice. The dispute formally challenged : the validity of the alleged debt the alleged balance PRAs ownership interest in the account PRAs legal standing to collect PRAs authority to furnish information concerning the account and the legal collectability of the alleged obligation The dispute specifically demanded : complete chain of title documentation account-level assignment records purchase and sale documentation original signed agreement or authenticated origination records complete itemized accounting records full delinquency chronology and Date of First Delinquency documentation charge-off documentation XXXX documentation if applicable proof of Texas debt collector surety bond compliance under Texas Finance Code 392.101 proof of lawful authority to collect and furnish information regarding the alleged account The dispute further instructed PRA that : reconstructed summaries would not constitute competent validation billing statements alone would not satisfy validation obligations unsupported electronic records would not constitute competent proof furnishing or reporting prior to competent validation was prohibited and transfer, reassignment, or sale of disputed information after failure to validate may violate federal and Texas law The dispute also formally directed PRA to : cease all collection activity pending validation pursuant to FDCPA 15 U.S.C. 1692g ( b ) cease all telephone communications communicate strictly in writing only preserve all records and metadata relating to the alleged account and refrain from furnishing information to consumer reporting agencies unless and until competent validation is first provided. USPS tracking confirms that the certified dispute package was accepted by USPS in XXXX, Texas on XX/XX/year>, and remains actively in transit through the USPS network. Current tracking reflects arrival at the XXXX, Virginia distribution center on XX/XX/year>. Because the package has not yet received a final delivery scan despite active USPS transit, I am filing this CFPB complaint to formally preserve my dispute rights and place PRA on additional federal notice that the alleged debt is disputed in its entirety. This CFPB complaint does not replace the certified written dispute. Rather, it serves as additional formal notice while USPS delivery remains pending. Importantly, the original furnisher tradeline associated with the alleged XXXX account has already been deleted from my consumer credit reports. PRA has not yet furnished this alleged debt to my consumer credit reports as a new collection account. Because the original tradeline has already been removed and PRA has now been placed on formal notice that the alleged debt is disputed in its entirety, PRA should not furnish, publish, certify, verify, transfer, or report this alleged debt to any consumer reporting agency unless and until PRA fully complies with all federal and Texas validation obligations and provides competent validation sufficient to substantiate : lawful ownership of the alleged debt lawful authority to collect lawful authority to furnish complete chain of title reliable account-level records and full balance accuracy PRA is further placed on notice that any attempt to create a new collection tradeline concerning this disputed alleged debt without first providing competent validation may constitute willful furnishing of disputed and unreliable information. PRA is now on formal notice through : the written certified dispute package USPS certified mail tracking records preservation and litigation notices and this CFPB complaint Because PRA has now received extensive notice that the alleged debt is disputed, any attempt to furnish this alleged account to : XXXX XXXX XXXX XXXX XXXX or any secondary consumer reporting repository before first providing full competent validation may constitute furnishing of materially disputed and potentially unverifiable information in violation of : FDCPA 15 U.S.C. 1692e FDCPA 15 U.S.C. 1692f FDCPA 15 U.S.C. 1692g ( b ) FCRA 15 U.S.C. 1681e ( b ) FCRA 15 U.S.C. 1681s-2 Texas Finance Code 392.202 Texas Finance Code 392.304 Because the alleged account reportedly originated decades ago, heightened evidentiary concerns exist regarding : chain of custody ownership continuity authentication reliability admissibility of records and completeness of historical account documentation If PRA can not establish competent ownership, lawful authority, and reliable account-level validation through admissible business records, the alleged debt should not be considered suitable for continued collection, furnishing, transfer, publication, or reporting activity. I am requesting CFPB oversight to ensure that PRA fully complies with all validation, investigation, furnishing, and consumer protection obligations under federal and Texas law and does not furnish this disputed alleged debt to any consumer reporting agency absent full competent validation.

Company response to consumer: Closed with non-monetary relief