Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
COMPLAINT # 1 To Whom It May Concern, My name is XXXX XXXX, date of birth XX/XX/year>, currently residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am disputing a collection account reported by XXXX XXXX XXXX, account number XXXX, with a reported balance of {$220.00}. The account was allegedly purchased from XXXX XXXX. 

I have never entered into any agreement or contract with XXXX XXXX XXXX, nor authorized them to report this account on my credit file. Under the Fair Debt Collection Practices A

ct ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you provide : Proof of the original signed agreement bearing my name. Documentation of the full payment history. Legal chain of custody/assignment showing how this debt was acquired.

Verification that your company has the right to collect and report this account.

If you can not provide this documentation within 30 days, I request that this account be removed from my credit report immediately as unverified. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/year> Phone : [ XXXX ] Email : [ XXXX ] additional comments : This account was sold to a debt buyer/collection agency that I never entered into an agreement with. They are reporting a debt without providing any proof of ownership, contract, or legal assignment. I am requesting full validation including the original signed agreement, payment history, and proof of transfer. If the company can not validate, I request removal from my credit file as required by the FCRA.

COMPLAINT # 2 To Whom It May Concern, My name is XXXX XXXX, date of birth XX/XX/year>, currently residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I am disputing a collection account reported by Portfolio Recovery Associates, account number XXXX, with a reported balance of {$1700.00}. The account was allegedly purchased from XXXX XXXX. 

I have never entered into any agreement or contract with Portfolio Recovery Associates, nor authorized them to report this account on my credit file. Under the FDCPA and FCRA, I request that you provide : Proof of the original signed agreement bearing my name.

Documentation of the full payment history.

Legal chain of custody/assignment showing how this debt was acquired.

Verification that your company has the right to collect and report this account.

If you can not provide this documentation within 30 days, I request that this account be removed from my credit report immediately as unverified. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/year> Phone : XXXX Email : XXXX additional comments : This account was sold to a debt buyer/collection agency that I never entered into an agreement with. They are reporting a debt without providing any proof of ownership, contract, or legal assignment. I am requesting full validation including the original signed agreement, payment history, and proof of transfer. If the company can not validate, I request removal from my credit file as required by the FCRA.

COMPLAINT # 3 To Whom It May Concern, My name is XXXX XXXX, date of birth XX/XX/year>, currently residing at XXXX XXXX XXXX, XXXX, XXXX XXXX 

I am disputing a collection account reported by XXXX XXXX, account number XXXX, with a reported balance of {$600.00}. The account was allegedly purchased from XXXX XXXX XXXX XXXX 

I have never entered into any agreement or contract with XXXX XXXX, nor authorized them to report this account on my credit file. Under the FDCPA and FCRA, I request that you provide : Proof of the original signed agreement bearing my name.

Documentation of the full payment history.

Legal chain of custody/assignment showing how this debt was acquired.

Verification that your company has the right to collect and report this account.

If you can not provide this documentation within 30 days, I request that this account be removed from my credit report immediately as unverified. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/year> Phone : [ XXXX ] Email : [ XXXX ] additional comments : This account was sold to a debt buyer/collection agency that I never entered into an agreement with. They are reporting a debt without providing any proof of ownership, contract, or legal assignment. I am requesting full validation including the original signed agreement, payment history, and proof of transfer. If the company can not validate, I request removal from my credit file as required by the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation