Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
RE : Formal Demand for Validation & Cease and Desist Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for validation of the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a Cease and Desist under 15 U.S.C. 1692c ( c ).

You are reporting this account as a collection/charge-off, despite the lack of proof that the alleged debt is valid, collectible, or legally enforceable in my state. I hereby dispute this account in its entirety and demand a full and lawful validation. 

YOU ARE HEREBY DEMANDED TO PRODUCE THE FOLLOWING : Full Chain of Assignment including every bill of sale, assignment, or transfer agreement from the original creditor ( XXXX XXXX  ) to your firm, with dates and signatures. 

Original Contract With My Wet Signature not a copy, summary, or computer printout. Show me where I agreed to be liable for this debt.

Forward Flow or Purchase Agreement between you and the previous holder of this debt, proving lawful ownership and assignment.

Proof of Authorization to Collect Debt in My State including license and bond information, where applicable.

Complete Payment History including how the balance was calculated and any interest or fees added post-charge-off. 

Proof of Insurance Claim or Charge-Off Claim If this debt was written off or an insurance claim was filed, then the debt is paid and collection is fraudulent. 

IRS 1099-C Filing Status If the debt was canceled or discharged, you are not legally permitted to collect it.

LEGAL NOTICE OF VIOLATIONS & INTENT TO PURSUE DAMAGES If you can not produce these documents, you are in violation of the following consumer laws : 15 U.S.C. 1692g Failure to validate the debt 15 U.S.C. 1692e ( 8 ) Reporting false or misleading credit info 15 U.S.C. 1692f ( 1 ) Attempting to collect an amount not permitted by law 15 U.S.C. 1692c ( c ) Continuing communication after a Cease and Desist FCRA 1681s-2 ( b ) Reporting unverified data to credit bureaus Fair Credit Billing Act ( FCBA ) Misreporting disputed items Violating any of the above carries statutory damages of up to {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 

CEASE AND DESIST NOTICE Effective immediately, you are ordered to cease and desist all forms of communication with me regarding this matter, including letters, calls, emails, or third-party inquiries. This includes reporting to any credit bureau unless and until you fully validate this debt as requested. 

YOU HAVE 30 DAYS You have 30 days from receipt of this letter to respond with full validation. If you continue to report or pursue this debt without meeting these demands, I will : File complaints with the CFPB, FTC, State Attorney General, and BBB Seek civil damages for violations of FDCPA, FCRA, and other consumer rights Initiate a formal lawsuit for unlawful collection and defamation of credit Failure to respond will be interpreted as your inability to validate the alleged debt, and you must immediately remove all references to this account from my credit file.

Company response to consumer: Closed with non-monetary relief